Gotta say my credit repair/improvement journey doesn't happen if I don't find the myFICO forums. Just got approved today for my 3rd NFCU CC! My GoRewards will be 6 months since my CLI and my MoreRewards will be 6 months since I opened it, both on April 9th, so looking to get CLIs for both of those then. Interest rate on the Flagship is higher than on my other two cards, maybe because its #3? I'm going to check into that.