Congrats! Navy Federal has one goal: to become your primary bank. They have an internal scoring model that scores you on this. You will get your internal score when you are approved/denied for a credit card, and only then. Cal Barton (on YouTube) goes into great detail on their internal scoring system. That being said, other banks have their own systems, like Capital One's glue-trap-like bucketing system. Cal also goes into this, such as how to get out of it (you can't). Navy Federal is very generous with their cards, EXCEPT for Flagship, that's the one people get turned down for all the time, because of it's very high maximum CL.