I was approved for the NFCU CashRewards for $1,000 back in June. I have been waiting patiently for my 91/3 to apply for my 2nd NFCU card. I was deciding between the Platinum or the Flagship Rewards. Decided to go for the Flagship Rewards because of the new 50k points signup bonus for $4k spend. I was not very confident about my approval odds for the Flagship Rewards with my low score and a bunch of baddies. What the heck, it just a HP. Click Apply and the circle seem to spin like forever. Approved for $15,000! Wow, speechless! Double my total credit limit of my existing 5 revolvers from $14.5k to $29.5k. APR is 17.24%, on the high end for Navy Federal, but beggers can't be choosers.
Data Points:
TU Hard pull
Fico 9 TU 642
Inquiry: 3 TU, 5 EX, 2 EQ
Accounts: 6 in last 3 months, 6 in last 24 months
AAoA: 3 years 6 months
AoOA: 13 years 1 month (2 student loans)
UTI: 35%, mostly from Charge Off accounts
Income: $63k
Baddies: 8 Charge offs 6 years old, 3 Collections 6 years old
15k on TU 642 is amazing
Congrats
Congrats
Congrats on the approval.... NFCU Strikes again
@AverageJoesCredit wrote:
15k on TU 642 is amazing
Thank you. Yeah, I couldn't believe my eyes. Had to double and triple check the number. lol
@Anonymous wrote:Congrats on your Flagship approval and amazing SL!
@I just received approval on my 2nd NFCU card as well. My first NFCU card was the Cash Rewards @ $1k SL.
@I now have the More Rewards Amex @ $15k SL! This was after right after meeting the 91/3 rule.
So far, I LOVE NFCU!!!!
Nice! Congrats to you as well. I guess they like giving $1k and then $15k on 2nd card. 
Did you try for a CLI on your Cash Rewards? I just got shot down on my CLI request.
@MrDFinance wrote:
Congrats on the approval.... NFCU Strikes again
Thank you! Yeah, I love NFCU! 
I see you broke out of the garden and got your PenFed Platinum Rewards already. I wish PenFed would give me something besides the $500 OLOC. Guess, I will have to wait longer until my badies go away.
@Anonymous wrote:No, I have not tried the CLI on the Cash Rewards yet. Info on here suggests more success to wait 6 months for first CLI so, that is what I am doing. Weird that you can get a huge SL 2nd card easier than a nice CLI on 1st card. But I am certainly not complaining. ;-)
Yeah, I saw all the data points for 6 months for CLI, but just wanted to test the water. I should have waited for 6 months. Definitely can't complain about $16k total for 2 cards.