After nine long months of attempting to obtain this card, I finally was approved yesterday for a credit limit of $2,500 at their highest APR.
Their algorithm definitely doesn't make any sense.
My first attempt at this card was 11/24, at the time they prompted me to upload my ID, which I lost the prior week. That application expired and I attempted the following month to reapply but started to face the issues (duplicate applications, ID not properly uploading, iCloud account not matching wallet.)
12/11 - Denied - Unable to verify ID (ID didn't properly upload)
12/13 - Denied - Unable to verify ID (iCloud accounts not matching)
I applied again after I was advised by support after they "fixed my issues"
12/13 - Denied - "You have applied a number of times so we cannot verify the information you have provided at this time."
02/13 - Denied - "You have applied a number of..."
05/19 - Denied - Too many inquires - I only had two inquires and, my score at the time was 718 with 23% UTI.
06/25 - Denied - Too many inquires - Still only two inquires, score 763, 8% UTI
07/05 - APPROVED
I applied simply to see if they would offer me to enroll in their Path program that they came out with on 06/29, instead, I received an offer.
I still don't understand how I finally received an offer with my credit profile being the worse it ever has been.
My current score is 668
My only two cards reported as maxed, $900/$1,000, and $8,400/$10,000. Plus, I have 5 inquires now from being previously denied for only having two.
Approved yesterday, charged $2,000 between then, and have a scheduled payment to deduct out today for the full amount. I wonder how long will it take to match my $10,000 with NFCU. I hear their cli's are usage-based, I'm estimating i will put about $5,000 per month onto this card.
Does anyone know If I should let a large balance report for the statement and then pay it off to beat their algorithms?
