Yes, I was wondering this exact question... I joined NFCU mid September 2018...To clear ANY Questions IT's a Soft Pull Now Only... I've been connecting different account to My NFCU checking and saving accounts.. IE, Square, Wells Fargo, Boa accounts... I know it will be a HP, for a NFCU Credit Card, or CLOC, etc... I recently Opened my CSP in Sept, 2018 18.7k SL. Also a Chase FU in March of 2018.. (12k) Chase Freedom, 5k SL about 2.5 years ago . Truck loan 2.7 years ago... other long time CC's etc. My AAOA on CK TU is approx 5 years, 3 years on EX... < 1% Utilization... No Baddies Ever... Scores VG... What's anyone's feelings on my situation...? I could stand the HP.. For My needs I'm thinking to go with the NFCU Platinum card, instead of the Rewards, etc... Just looking for the lowest APR, out of anything in my wallet. But burning a HP, at least I'd want the Highest SL... I keep only $1k each in my NFCU checking and savings, for really nothing, but like I said only opened Mid 09/2018. Thoughts on approval...???
Should I Nike it, And ***Just DO IT*** ...??? 
Thanks all,
@ Overmedicated... In chatting with a rep from NFCu today.. I think folks with crappy credit get higher SL's because, they kinda know that they will make more money because higher SL comes with higher APR's... Vs Folks with excellent Credit they give them lower SL's because lower APR's. They won't make as much money on lower APR's because folks with excellent credit aren't going to run up a Huge Bill..... Thus they make less $$ than folks who have ehh to bad to ok credit will charge up higher balances, thus more APR... At least that's what I kinda thought and the rep seemed to agree... Altho it's basically 100% derived from the Algorithem they have set up... Thoughts... ?? oh yea he also said I could cancel the card if I wasn't happy with the APR/ SL, But when I asked if they would refund the Hard Pull... That was a Confident STRONG NO, We can't do that... lol... !!!
@Anonymous wrote:@ Overmedicated... In chatting with a rep from NFCu today.. I think folks with crappy credit get higher SL's because, they kinda know that they will make more money because higher SL comes with higher APR's... Vs Folks with excellent Credit they give them lower SL's because lower APR's. They won't make as much money on lower APR's because folks with excellent credit aren't going to run up a Huge Bill..... Thus they make less $$ than folks who have ehh to bad to ok credit will charge up higher balances, thus more APR... At least that's what I kinda thought and the rep seemed to agree... Altho it's basically 100% derived from the Algorithem they have set up... Thoughts... ??
Well this whole credit thing is all about risk assesment. It really is your results may vary. I know that people with our profiles are deemed less risk and therefore given more favorable rates. If I was the lender I would feel more comfortable lending larger lines to people with a proven record and a long history but obviously that didn't happen here with NFCU.
With some of the approvals I have seen, it really makes no logical sense to me. NFCU for the most part but other lenders as well. There seems to be no tried and true pattern of approvals/CLs and denials. I have seen people denied a Discover card with a great profile. Macys recently declined an 830 FICO. We all have to accept that. I also accept that my SL was determined by a computer and it wasn't personal. I will probably keep this card. I did get the lowest APR of course. I applied because that is 1 thing I don't have is a 0 fee, low APR card. I didn't have any balances to transfer except statement balances which don't total much. Maybe if I had something to transfer then they would have given me a larger SL? Lol...I'll never know.