topic Re: Navy Federal Credit Union Membership Question in Credit Card Applications

Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 00:19:58 GMT

My wife has just joined NFCU today and I am wondering if she should apply for one of their credit cards now

or wait until they contact her with offers ?

She submitted her membership application over the phone and the rep told her that they will be running her credit

and reveiwing her credit file and will notify her if they have any product offers for her at that time.

She just became a member about 30 mins ago.

They pulled her TU report

TU Fico 8 is 764

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 00:28:33 GMT

I joined a couple of months ago and immediately applied, and was approved for, their GoRewards card. My score was 100+ points lower than your wife.

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 00:38:30 GMT

Did they do a second hard pull after membership or did they use the same one ?

Who did they pull for you ?

Re: Navy Federal Credit Union Membership Question

fltireguy — Fri, 30 Jun 2017 01:20:07 GMT

Navy is simple

HP for EVERYONE for EVERYTHING EVERYTIME... LOL!!

Generally, TU for CC's

EQ for all other

Re: Navy Federal Credit Union Membership Question

AverageJoesCredit — Fri, 30 Jun 2017 01:30:44 GMT

Hp for everything but usually worth it

Once you get a cc , normally takes 3-4 months to see big cli , sp if you play it right

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 04:15:32 GMT

@Anonymous wrote:

Did they do a second hard pull after membership or did they use the same one ?

Who did they pull for you ?

Yes, they did a second TU hp for the cc app.

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 04:37:29 GMT

Go for the Gorewards they are doing 30,000 bonus points for new members only!

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 06:15:22 GMT

You can go for a CC immediately. Don't burn them or you'll be blacklisted for life.

I opened NFCU savings and checking and the HP fell off after 2 years. They kept sending me pre-approvals so I finally gave in. $18k SL. I was depositing checks into those accounts from my EBates Big Fat Checks (cash back). They've been sending me pre-approvals for a second CC but I don't want it.

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 15:53:15 GMT

She has a really good TU score.
She just doesn't want to get denied

She doesn't have any baddies.

She has one 30 day late about 10 most ago on her cap1.
She is an AU on my Lowes account.

Do you think she could receive a card on that info?
Her EQ isn't that good though.
Her TU is Def her best file.

Re: Navy Federal Credit Union Membership Question

Jimp2323 — Fri, 30 Jun 2017 16:01:16 GMT

@Anonymous wrote:
She has a really good TU score.
She just doesn't want to get denied

She doesn't have any baddies.

She has one 30 day late about 10 most ago on her cap1.
She is an AU on my Lowes account.

Do you think she could receive a card on that info?
Her EQ isn't that good though.
Her TU is Def her best file.

YMMV of course, but they approved me for a Cash Rewards card with several baddies on my CR's last May. With her scores--even if they do pull EQ she shouldn't have any problems.

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 16:35:59 GMT

Thank you for your insight and history.
I truly appreciate your help.
I will tell her to apply this evening then !

I think that the Go Rewards is offering a lot of bonus points for new members as tydog stated above.
I will tell her to apply for that one I guess.
That card looks like the best deal and card for her I believe ?

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 17:22:10 GMT

It looks like the Go Rewards card may be best for her ?
Is any particlar card easier to get than any other ?

Re: Navy Federal Credit Union Membership Question

Anonymous — Fri, 30 Jun 2017 18:37:57 GMT

@Anonymous wrote:
It looks like the Go Rewards card may be best for her ?
Is any particlar card easier to get than any other ?

The Flagship is the only card with a minimum $5,000 line. You can product change at any time if you decide that one of their other cards meets your needs better. I suggest going for the Gorewards and changing later on, so that you at least get a sign up bonus!

Re: Navy Federal Credit Union Membership Question

Anonymous — Sat, 01 Jul 2017 00:13:52 GMT

My wife decided to apply for the Flagship Visa card.

She received a 24 hr review message.

Is this normal for Navy Federal, and is this a good sign ?

Re: Navy Federal Credit Union Membership Question

jdxprs1 — Sat, 01 Jul 2017 01:27:38 GMT

Because it's a Friday night maybe.

Re: Navy Federal Credit Union Membership Question

AverageJoesCredit — Sat, 01 Jul 2017 01:53:21 GMT

Sometimes Navy can be slow in their communication Friday or not. Hope you get it

Re: Navy Federal Credit Union Membership Question

Anonymous — Sat, 01 Jul 2017 02:30:18 GMT

Thanks.

My wife really wants to get this card.

She became a member through her dad that retired from the Airforce years ago.

He has passed away now and it would mean alot to her if she was approved.

She only has a Cap 1 in her name with only a $200 limit at this point and an AU Lowes of mine $6000 on her report.

I really hope that she gets it !

I know that she would be depressed if not.

I know that both her membership and ccd app were TU pulls which is 764

Her income is $25.000 per year

Re: Navy Federal Credit Union Membership Question

AverageJoesCredit — Sat, 01 Jul 2017 02:34:00 GMT

I forgot, have you joined as well? Once she is a member you can be a member for life

Re: Navy Federal Credit Union Membership Question

Anonymous — Sat, 01 Jul 2017 02:40:35 GMT

@Anonymous wrote:

Thanks.

My wife really wants to get this card.

She became a member through her dad that retired from the Airforce years ago.
He has passed away now and it would mean alot to her if she was approved.

She only has a Cap 1 in her name with only a $200 limit at this point and an AU Lowes of mine $6000 on her report.

I really hope that she gets it !
I know that she would be depressed if not.

I know that both her membership and ccd app were TU pulls which is 764
Her income is $25.000 per year

Given her thin file I personally would have gone with either the GoRewards, CashRewards or even the platinum for a better chance at approval. I think the Flagship may be more difficult to obtain.. I could be wrong tho. Having a good credit score isn't all Navy looks at when approving. But GL though, hopefully she gets approved.

Re: Navy Federal Credit Union Membership Question

Anonymous — Sat, 01 Jul 2017 03:41:08 GMT

I did not know that the Flagship had different qualifications than the others.
We do a lot of traveling, that's why she wanted that card.

What are her choices if she gets denied ?
Will they offer her a different card ?