Thanks for the update, CaneVariant; sounds like you’ve built a smart system despite the setbacks. Diversifying through NFCU is a solid move; I did something similar after hitting roadblocks with the big banks. Having those 5% CB debits and C1 duo in place gives you breathing room while your profile recovers.
When the time’s right; I think NFCU will treat you well; especially if you’ve already shifted your banking there. Keep stacking those wins; even if they’re quiet ones for now. The sock drawer gang still has a purpose too