Hey all! Hope you all are staying safe out there.
I recently have become a new member of NFCU. Looking to switch over my banking to them. (Plan to refinance my car with them in a couple months) Obviously though, I'm interested in one of their cards right now... the Flagship! 
As a CU card, it will give me some benefits my other cards don't have. The problem is all the other NFCU cards don't offer much for me that I have on other cards.
I hear it's commonly a hard card to get for a first time card from them. Any DPs on that? I don't have the best profile but I make do.
TU: 662 (per Disco app)
EXP: 703 (Exp app)
AAoA: 3 years, 1 month
Total CLs: 25K
Largest CL: 9.5K
Last card obtained: CSP, Nov 4, 2019 @ 5/24
Any insights and DPs would be awesome! Thanks!
It's not necessarily a hard card to get it has the same underwriting standards as the rest but it being a signature only card, it has a 5k minimum limit. With that said it is possible to get it as long as your scores (TU9), income, DTI and other factors in your profile support it. I think Navy can be generous even with first cards based on some DP's seen here.
Seeing the big difference in your listed scores, is there anything suppressing your TU?
@addicted_to_credit wrote:It's not necessarily a hard card to get it has the same underwriting standards as the rest but it being a signature only card, it has a 5k minimum limit. With that said it is possible to get it as long as your scores (TU9), income, DTI and other factors in your profile support it. I think Navy can be generous even with first cards based on some DP's seen here.
Seeing the big difference in your listed scores, is there anything suppressing your TU?
I would actually disagree with the first part here as it has been shown by various dps here how rare it is to get the FS as your first card. The UW actually is tougher than the other because of that 5k limit. Even if one has 5k limits already its not a slamdunk they willgive it to you. I think Navy looks at many factors to determine if a person qualifies for a FS like income, history, spend ability, score dti, amongst others.
Im a big proponent of going for whatever card suits your needs most, hp be darned, but i know not everyone feels the same. Even though another card may not meet your needs in rewards, nothing wrong in setting up your Navy foundation by using a card that can help build 3 or 6 month history so that when you do app the FS, they have more reason to give you more consideration. Best of luck and @addicted_to_credit no beef here lol just offering my average opinion
I did get Flagship as my first NFCU card ($24k if I recall), but as mentioned up above it really depends on your profile. Mine was well-aged, squeaky clean and they asked for POI upon application, which I provided immediately. I'd suggest trying for Flagship if that's the one that makes most sense for you, and if denied app for another card.
@averagejoescredit, no beef at all buddy, I've seen a few flagship first cards and not in any way is it more common than any other card. I probably should have been a little more clearer but hey sometimes that happens!
Apped for the Flagship. Not an instant denial! I got the message:
Just gonna wait by the phone for the next couple days and see what happens! Got documents to ready to send if needed. This young shipman could get sunk, but it was worth it. Will keep you updated.