So the NFCU CL saga is here: http://ficoforums.myfico.com/t5/Credit-Cards/NFCU-Cash-rewards/td-p/1546164 Obviously even with my scores in the 700's and no bads I still have some rebuilding to do. It might just be the 1.5 year history or the history with the CU. Not sure what to do now.
Edit: Whatever I decide on I'm going to wait for NFCU to start reporting. Then maybe I'll look at Barclay's, Amex, and Chase. My primary bank account is with them anyway.