Regarding which Navy card, it depends on your needs.
The Navy Platinum card often offers a lower interest rate and sometimes offers zero interest for balance transfers.
If you do not need a balance transfer then the Navy Cash Rewards card would be better.
Why is your NFCU account still in review, is it a verfication issue?.
Navy pulls TU for new credit card apps. I would definitely wait til your payments post to get your new utilization reporting.
If you have the 2 cap one cards and the new discover, I would dump those subprime cwrds, they have served their purpose.
And as for CK recommendations, do not go by the them at all.
I would keep the Cap1 @ $2500 and Disco @ $6500
Pay down the rest of the balance to under 8.9% not 0% because of the points you'll lose for 0 activity
Wait for Navy to approve your Share application
Wait for Disco to report
Apply for Navy CC
Then Kill these off immediately -
cap one 700, credit one 400, total 300, verve 625, indigo 300.
Then you need to find a gardening spade for 2 years and let thngs age like a fine wine or bourbon.
I applied last week and had to upload documents which takes 3-5 business days to process..
I even went to the military archives facility in town to get my dad (who’s passed) dd214 for verification and they didn’t even ask for it!
I’m on pins and needles waiting for this account to activate so I can roll the dice. I just want one of their unsecured cards regardless of the limit so I can hit the garden with 2 new nice cards before we try to move later this year and get a new mortgage.
Before you proceed any further, given that you planning on getting a new mortgage later this calendar year I would suggest you educate yourself regarding best practices regarding impact and timelines regarding applications for unsecured credit and applications for mortgages. You don't want to set yourself up for an unpleasant surprise.