Originally Posted by BKbigfish

If you have a credit floor it puts restrictions on your flexibility. The ability to drop to 0 has significant value even if you plan on never crediting less than guarantee. This allows you to drop as much flying as needed, freeing you up to pick up open flying as desired (whether that be from open time, tradeboard or premium flying). A credit floor limits you to trading/swapping with what is currently available. Being able to drop to 0 greatly increases premium pay opportunities as well, especially considering that all premium flying at NK is 200%.

Take another look at the LTD. NK has a $15k/month max benefit which I believe is substantially higher than F9’s. May not seem like a big factor on FO pay but makes a big difference a few years down the road when you upgrade.