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I applied this morning for a Flagship, due to the $400 SUB and because I think it'll be better for 2x in the long run than PPMC. Mainly because of the Sync soft cap of $10K. They pulled TU, of course, and it went to review. I got a notice saying I will find out in 24-48 hours.
I still show as 0/12 for cards. I did recently add two cards, but only the inquiries for those have appeared thus far, and those inquiries are both on EQ. I'm a little surprised I didn't get an instant approval, tbh, but will see what they come up with. To be fair, my relationship with NFCU (while entirely positive) is minimal. I only keep a couple hundred dollars in that account, and transfer money in from my main credit union when paying my credit card bill. I haven't made particularly heavy use of my NFCU card since it's 1.5% and I have a 2% card.
Will update with results/reasons!
Good luck on the card. I feel stupid. I got approved 2 weeks ago and missed the bonus.




















Don't feel bad ... I almost applied literally the day before the $400 SUB appeared ![]()
The only reason I didn't is that I couldn't find a way to prepay for Amazon Prime. My subscription is paid until January, and the offer terms say you have to use it by the end of September. I did a chat with an Amazon CSR to see if I could prepay. He said no, so I didn't apply ... thank goodness.
Same here. And I waited a year between card one and card two. Ah well that's life. At least we got first year fee waived.
Good luck on your Flagship application!
Denied, letter in 7-10 days. Kind of surprised, though my credit history is relatively short and my NFCU relationship is minimal ... still kind of surprised. I may or may not recon depending on the reason(s).
Sorry @KJinNC . It seems odd so hopefully there will be something in the denial letter that you can easily reconcile.
Could've been the weird profile? (if it's still weird that is, but who knows). Hopefully the letter will provide more meaningful reasons 🤷♂️
If you apped that CR card you have in May, it hasn't been 3 months yet for your next card?
@Anonymous wrote:If you apped that CR card you have in May, it hasn't been 3 months yet for your next card?
May last year.