@Anonymous wrote:@pt91978 @Wow amazing! What was your second card and SL?
2nd card (More Rewards) SL was 15k
3rd card (Platinum) SL was 20k
@Anonymous You're welcome. My only suggestion is to use the card heavily, I guess, rinse & repeat and have a lil patience, and they will reward you tremendously. Best of luck!!
@Anonymous wrote:Hi all! I am approaching my 91/3 and I want to apply for the Flagship. My current TU FICO is 765, I don't have any baddies, utilization is 1%, and no debt. I currently have 11 other cards and My last inquiry and newest account was my NF More Rewards 3 months ago with a small SL of only $500, not sure why so low. I also have a checking and savings with NF. What are my chances of approvals for the Flagship? Or what other card do you recommend? Any suggestions would be helpful.
Another consideration is that people have been getting better results waiting 6 months instead of three. My first was a CR same day as joining and got a $1000 SL. Second card I did at almost 10 months, FS at $25k SL. Build a history with them and you will be rewarded.
If the inquiry doesn't bother you the worst thing that happens at 91/3 is a decline.
I applied for my first card 1/30/20 - cash rewards 12% 3900, barely used it
My second 4/30/20 - more rewards 9.65% 12,500, putting around 1-2k on it every month. Also CLI on the cash rewards 3900 -> 9900
And I have a bk7 that is not yet 2 yrs old. Waiting never hurts, but with good DTI and a good navy relationship it is possible to get a good SL at 91/3, plus I'll be eligible for a CLI in another 91/3. This means I've had the card and have used it/benefitted from it plus I'll probably get a limit increase vs waiting 6 months. I'm also that much closer to my third card. Just something to consider.
@recoveringfrombk7 wrote:If the inquiry doesn't bother you the worst thing that happens at 91/3 is a decline.
I applied for my first card 1/30/20 - cash rewards 12% 3900, barely used it
My second 4/30/20 - more rewards 9.65% 12,500, putting around 1-2k on it every month. Also CLI on the cash rewards 3900 -> 9900
And I have a bk7 that is not yet 2 yrs old. Waiting never hurts, but with good DTI and a good navy relationship it is possible to get a good SL at 91/3, plus I'll be eligible for a CLI in another 91/3. This means I've had the card and have used it/benefitted from it plus I'll probably get a limit increase vs waiting 6 months. I'm also that much closer to my third card. Just something to consider.
@recoveringfrombk7 yours may have been one of the last high CLIs. Not quite the 3x previous limit, but not the 4k that they have been giving lately. Good results there.
@CerebralZulu wrote:
@recoveringfrombk7 wrote:If the inquiry doesn't bother you the worst thing that happens at 91/3 is a decline.
I applied for my first card 1/30/20 - cash rewards 12% 3900, barely used it
My second 4/30/20 - more rewards 9.65% 12,500, putting around 1-2k on it every month. Also CLI on the cash rewards 3900 -> 9900
And I have a bk7 that is not yet 2 yrs old. Waiting never hurts, but with good DTI and a good navy relationship it is possible to get a good SL at 91/3, plus I'll be eligible for a CLI in another 91/3. This means I've had the card and have used it/benefitted from it plus I'll probably get a limit increase vs waiting 6 months. I'm also that much closer to my third card. Just something to consider.
@recoveringfrombk7 yours may have been one of the last high CLIs. Not quite the 3x previous limit, but not the 4k that they have been giving lately. Good results there.
They get around 90% of my DD (annual income is 92k), so I think it helps that they see money hitting my account every month in terms of my internal score. Plus I have CDs etc. We are planning to buy a home in 5 years so I wanted to go semi all in with a good CU. Very pleased so far. Much more than I expected with the bk.