NFCU Membership and CC?? Together or Seperately??

[MidnightJester]

Not sure if this matters or not. Does it matter When you apply for NFCU membersip if you get the Credit Card at that moment or not?? Has anyone just gotten the NFCU membership and didnt bother to get anything else from then for the time. No Checking, No credit card, No Loan, etc. Just membership then let it sit for a while.

Is their a benefit for getting the NFCU Membership and then a CC at the same time?? Can you get both with only one HP if they tell you are pre-apprived for a CC with them when you get your membership??

[tommywerdine]

When I became a member, I did everything at once. Checking, savings, and credit card. I was instantly approved online for 10k. All within 15 minutes. 2 months later they approved me for a 48 mo 16k auto loan at 4%. 

I would do whatever you want to do right at the beginning. It can't hurt.

[Eyisila]

It really just depends on what you want to do.

It will be seperate pulls as I believe, although I could be wrong, that they will pull TU (mostly) for membership and then EQ for credit card products.  Also, if you decide to try for the NavCheck that may be another pull on EQ (different departments). 

As you probably know and have read, they are great but very, VERY pull happy

Good luck with whatever you decide!!

[MidnightJester]

Great info. I have to decide carefully what I do. I cant yet have Bank accounts that can be found. Have long fallen off Judgement from 13 years ago that attacks my bank accounts. I have read They search your HP's and more (TL's supposedly) on credit reports to track where you might have Savings and Checking accounts. Its the main way they can find your banking relationships. I am worried about the NFCU cc TL getting their attention.

WIll wait till I can figuire out what to do about old Judgement most likley and save HP's on reports for other CC bank relationships without bank account membership requirements. I wIll look at my moms NFCU relationship as what can be in the future : ) She is my membership IN

[Anonymous]

I opened checking and savings but nothing else. Waiting for some CC disputes to resolve before apping for anything.