After much combing of the forums, I joined Navy League of San Diego a few weeks ago. When I got my member number from them I went ahead and did the paper app for NFCU last Monday. Hadn't heard anything from NFCU except to upload additional info. Called this morning to see if everything was approved and the gentleman on the phone said I'm good to go and helped me with setting up my online account. I contemplated apping for the Cash Rewards so soon without getting welcome packets etc. and got the nerve to just do it when I was sitting in line at the bank for my job. Went ahead and apped thru the mobile app and BOOM! instantly approved for $2600 at 15%. Can't wait to see what this will grow to in time. Should have the card in 5-7 days according to the app. Thank you MyFico-ers for all the info on joining thru NLSD.
pulled EX for membership 677 and TU for the card 655
Income is at $51k plus bonus structure