Approved for the flagship, 25k at 11.74%
The below is from another post I made, with datapoints.
My TU fico9 is at 752 (fico 8 786), AAoA is over 5 years.
3 pulls in 1 year, 1 a few weeks ago, the others 10 months ago. Last new CC was 6 months ago, penfed.
The one HP was a marcus personal loan for 17k at 6.99. It has NOT reported yet.
120k income
Cap1 4750, 0 reporting
Disco 14k, 1900 reporting
Amex 5k, 0 reporting
Nfcu cash, 22k 0 reporting
Penfed 9k, 0 reporting
Penfed 30k, 2400 reporting
Lowes, 25k, 2900 reporting
Amazon, 10k, 0 reporting
DTI is about 32 with cars.
Once TU updates the penfed down to 2400, from 9500, I'll apply. Should be tomorrow morning.
Hoping for a instant 20k. Somewhat for the signup bonus, and extra padding to available credit.
I did get the existing NFCU cash card nearly 3 years ago, 5k Starting. Went to 22k 4 months later.
They must know about my bk, that just dropped off TU, not the others yet.
Will be interesting to see if the non-existent bk affects anything. They know about it... but they wont see it on a new TU pull.
Edit -
I tried for a second CC with them a year ago, tu pull. Denied for max exposure. 678 tu.
Navy delivers for those with right profile
