Just got approved for my first NFCU card on my first try today. 18K on my first go and I have to admit i'm wondering if I should have tried for either the Flagship or the Amex. I used the pre-qualify tool first and all the cards were presented. However, I wanted to play it safe so I went what seemed like the low hanging fruit. Here were my circumstances on this approval so some of you can see the data points.
My Profile at time of HP:
TU8/TU9: 733/698 before the pull.
Baddies: Bankrupcy Ch7 August 2012 (falls off this year), no collections
Payment history: perfect for nearly 10 years on all accounts.
Total Available CL: $46.6K
CC Utllization: 30%
DTI: 17%
AAoA: 8 years 2 Months
AoYA: 8 months
Membership: I have technically been a member of NFCU since 1995. Had an old account from 1995 I reactivated last year. (Im going to write an article about the appeal process soon.)
Oddly enough, I considered waiting to apply for anything so I would be at 2/24 in November of this year when trying for a Chase card. This puts me right at 5/24 until October of this year when two cards come off. If any one has any advice on the next one to apply for and when, it would be appeciated.
Excellent SL out of Navy, grats on getting it 
