Data Points: NFCU Flagship Rewards
Applied: 3/30/2020 via phone
Approved: Yes; $8,300 SL
SUB: 50k points for $4k MSR
Hard Pull: TU (TX)
Bureau Scores on date of Application: 640 (FICO 8 everyday); 627 (VS 3.0)
Number of Inquires: 17 reporting on TU, including this application; 1/3 months; 3/6; 11/12
Number of Collections/Derogatory Accounts Reporting: 1 paid medical collection (currently being disputed); two c/o’s that were settled in Fall 2019 (disputing accuracy on one).
AAoA; AoOA: 33 months; 11 months
Other noteworthy data points: Did ask for pre-approval over the phone and was told I qualified for all cards. Last Credit app was in December and opened on Christmas Eve (for SDFCU Platinum Secured). 18% APR is no bueno, but I’ll take what size can get. Last reporting account was a Credit Strong Subscribe 1000. Last account was a car loan via SDFCU that reports on 4/1. Will report internal score once I receive it.
I applied for this card because: The SUB offer is only good through 4/30/2020, low AF, and 2x back on non-travel purchases. My plan was to use this card to pay my property taxes, but my father just informed me he paid for them for me (obviously I’ll pay him back). Now, I’ll have to get creative in how to meet the MSR.
on your approval! & thanks for the DPs.