My experience with Navy Federal is that they are likely the most generous of the group, but they are extremely sensitive to DTI. The 6% overall is OK, but they will absolutely not like seeing 3 cards with almost 30% utilization each. I would also recommend PenFed - they have an open membership (anyone can join) and seem to be a bit more relaxed with utilization than NFCU.
BofA Atmos Summit Rewards 9/25 - $37.5K
BofA Premium Rewards 5/25 - $33K
Chase United Explorer 01/25 - $20K
Citi Aadvantage Platinum 10/24 - $26k
Citi Strata Premier 6/24 - $12k
Barclays/GM Rewards 02/24 - $10k
Citi CustomCash 10/23 - $12.9k
USB Altitude Reserve 5/23 - $30k
Chase Sapphire Reserve 05/23 - $26.3K
Chase Amazon Prime VS 07/22 - $20k
Amex Plat 3/22 - NPSL/$20k POT
Amex Delta Plat 7/21 - $30k
NFCU More Rewards Amex 5/21 - $30k
USB Alt Connect 4/21 - $20k (Opened as a Platinum Secured)
NFCU Flagship 1/21 - $50k (Opened as an nRewards secured)
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Current Fico8: Ex-780, Eq-788, Tu-785
Current Fico9: Ex-792, Eq-822, Tu-801
TCL - $357.7K
