I was about to pull the trigger on the Altitude Reserve, since I was at 1 new account in the last 12 months. But I decided to avoid US Bank due to the rumor of devaluing RTR from 1.5cpp to 1cpp, and the unannounced devaluation of flexperks from 1.25 to 1cpp without warning. I find it fortuitous that all that news came out days before I planned on applying (I WAS waiting for TU to report AZEO, didn't have the patience). To make up for all that altitude reserve lusting, I decided to go for the Alaska card since me and my DW could make use of that companion pass every year easily, and the SUB is pretty nice. I also decided to just app the flagship rewards as well to make it my catch all card since that SUB just came back. I joined NFCU a few minutes before apping the credit card.
AAoA: 7 yrs
AoOA: 12.5 yrs
Income 140,000
Eq8:~820 Ex8:~800 TU8:~770
Had a Chase shutdown in mid 2018 for credit seeking behavior, I really dislike them.
2% Util
BoA Alaska Airlines Sig
17k SL
Lowest APR
Pulled EX
NFCU Flagship
10k SL
Lowest APR
Pulled TU
I was surprised they pulled TU since I thought they would've soft pulled TU for the membership and then HP'd EQ for the CC. Might've been able to get a bigger SL since TU was showing 18% util instead of 2% like the other CBAs, with over a 50% util on one card where the others reported it as 0 (TU has been frustratingly slow to update, about a week behind the others). I understand NFCU usually gives the large SL on second and third cards, but I don't really plan on getting any of their other ones - I'll read up on the SP CLI thread.
I want to refi my car loan through NFCU, but worried I'm asking too much of them too quickly. Might join Penfed since EQ is showing no new accounts and no inquiries yet and a 820 score - bit afraid of a follow up SP and these new lenders seeing all the inquiries and take adverse action despite my intent to PIF. After that I plan on gardening for over a year while we look for a home to finally buy (my income is peas where I live).
