@ Newtophilly
First things first: From one veteran to another, Thank You for your service! 
Super Congrats on your Navy Fed $15,000 Flagship Rewards approval!
You're the second person in 2 days I've read about here in the myFICO forum
who was approved for a Flagship Rewards with a FICO 8 TU in the low 630s.
Navy Fed really goes out of their way to create opportunities for folks who
would never be given a fair shake with other financial institutions. BTW, here's
the link to the other post I referenced. It's very similar to yours. Congrats again!
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NAVY-91-3-Second-Card-Approval/td-p/5410262
That's definitely impressive, congrats to you!!
@Anonymous wrote:
Just approved for 15K flagship rewards, TU 631 Pull in PA. I have been with navy for over 90 days below 120 though. I have the cash rewards card( opened at joining) at 1000K used often and pay in full each month. My current uti across all lines is 8%. Last late payment was one year ago. No collections , 1 settle , 2 pay in full, 1 shows balance of 4K listed as derogatory. Income is my fiancee at 146K which I used on the application both times. I am an AU on 3 lines totaling 41K. My personal cards are discover secured $1300, Cap one QSO $500, PayPal 2% $2000.
I can’t belive how well they treated me! Thank you all for the help!
Congrats. Curious, was this an "offer" in the offers section or did you just apply?
This was not an offer - I have yet to have one/anything show up in the offer section.
I asked because I just had that card show up in my offers. I have never had anything show up before either. I am hesitant to believe it being just below 600 FICO but do have two years of perfect history with my nRewards secured card. Regardless of all that... nice limit!