My 91st day came today.
After my ridiculous denial for Flagship and approval for $1k Cash Rewards, I decided to listen to everyone and wait 91 days.
Backstory: had 745 Fico, 333 NFCU internal score, six figure income, multiple $10k - $30k credit cards, under 17% util, etc.
Yep, 745 gets $1k while 550-650 Ficos are getting $25k. Bizarro world.
Today, 91 days later, I was instantly approved for $20k Flagship. Little disappointed it was not $25k, but still happy.
I was also approved for $2k cli making my first card $3k CL which I believe is the most possible since my SL was $1k.
Ironically, my Fico was 740, I opened 3 new cards in the last 90 days, more inquiries, etc.
My new Flagship will be my go to card now especially for the next 90 days.
Hopefully I can grow it and my relationship with NFCU.
You treated Navy right and they rewarded you, enjoy!
Same scenario happened with me, I ended up closing my $3K Cash Rewards and transferring the $3K onto my Flagship. Got the Cash Rewards again on my 3rd Card.
Did you get another SUB for the 2nd Cash Rewards card?
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!5% Rotating - Discover 5%-20% - Amazon & Lowes 3-6% Groceries - NFCU & Amex Preferred
Has anyone gotten 25k as a SL on their first card and just asked for a CLI at 91/3?
So, yesterday was 91/3 for my Platinum. I pulled the trigger on the Flagship and was approved for the "we will let you in the door" SL of $5000. Navy has been very good to me and considering where I started 3 months ago, when all I had were starter and preditory cards, I'm really grateful. After another cup of coffee I asked for a CLI for my Platinum and was increased from $5000 to $10,000. The interesting DP in all of this is I had a HP for the new Flagship, but no addition HP for the CLI. It's a two-fer! At some point in the future, I will probably reallocate some of the Platinum line to the Flagship, but in the mean time, I still have 9 months on my 0% balance transfer and will use it to zero out a couple of smaller balances.
Needless to say, I've tossed my bronze gardening spade back in the shed and grabbed a seedling to plant. If you need me, I will be sipping Iced Tea and pruning my garden.