@Aim_High understood completely, and I do realize you were not lumping all people of a profile into one group 
To address the credit-seeking side, at the time of joining Navy, my Platinum approval was my eleventh approval in a rolling 24-month period. Offhand I don't know inquiries on TU for that 24 months, but I would have been 7/12 on HPs for TU going into that app.
Like you, I had also been aggressively adding accounts, and while the dollar value of those accounts was definitely below yours by a significant margin, I believe my income also differs similarly from yours. I have never seen anyone try to draw a connection between Navy approvals and dollar value of preceding accounts but that just seems to suggest it's immaterial and therefore anything to figure out in this would more likely relate simply to pulls and approvals...which doesn't seem any more clear now than an hour ago lol.
@Anonymous wrote:@Aim_High , then compare your experience and statement about better odds to rebuilders than solid profiles to my situation:
Aged profile (AoOA 14 years, average ~3 years), joined Navy Dec 2020. TU09 was 750s, $90k income, roughly $120k TCL, approved for $1k Platinum half an hour after $7k personal loan. Fast forward to 91/3 and bumped up to $3k on Platinum, but waited an extra month until my last derog fell off of TU, then apped for cashRewards and got instant approval for $25k. Lower age factors on my profile but still solid, far from rebuilding, kind of in the middle between rebuilding and Credit Jedi. $35k from them in four months.
I think they're so spread all over the place with approvals that it's very hard to nail down a pattern. I think in my case, having more than one credit product/type with them, plus savings and checking, and paying ahead on the loan by a couple months, must've made a nice difference in their internal score on me.
I don't think the internal score is as important as people think. Mine is about 390 and they will not approve me for a third card. On top of that, they haven't approved an increase on either of my cards the last 2 attempts. In my case, they've been tracking my accounts with other lenders over the past 12 months. Apparently they're not too keen on me carrying some 0% balances and riding out the full term.
@Anonymous wrote:Does NFCU require you to show proof of income when you apply for a credit card?
@Anonymous In general, with credit unions, always be prepared to provide POI Proof Of Income. Especially, if one is self employed. With NFCU, it may be a 50/50 request?
