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  As significant as those fines are for a player who made a total of $1.3 million during his first three NFL seasons, they still are much less than the potential loss of money he was facing on Monday. The NFLﾃ｢ﾂ�ﾂ冱 collective bargaining agreement allows teams a one-day-only option to reduce RFA tenders to 110% of the playerﾃ｢ﾂ�ﾂ冱 previous year salary. Cruz made $540,000 in salary last season, but since 110% of that is less than the NFL minimum salary for a fourth-year player, his tender could only be reduced to $630,000.