topic Re: Are NFCU cc cli’s still only soft pulls? in Credit Card Applications

Are NFCU cc cli’s still only soft pulls?

iowe — Sun, 08 Jan 2023 17:19:26 GMT

I searched but the thread I found on it is almost three years old now. At that time it seems they switched to soft pull only. I see one guy's post a few posts down this page that had a soft pull. Just double checking before I smash the button for a cli request. Has anyone else had any recent experience with an NFCU credit card cli that can vouch if it's only a soft pull or have they gone back to hard pulls since 2020?

Re: Are NFCU cc cli’s still only soft pulls?

pizzadude — Sun, 08 Jan 2023 17:33:06 GMT

Yes, NFCU's CLIs are soft pulls.

Re: Are NFCU cc cli’s still only soft pulls?

coldfusion — Sun, 08 Jan 2023 17:33:28 GMT

Here's the thread you want to read.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Datapoints-Thread-for-Membership-CLIs-and-Credit/td-p/6336608

From memory if you request a CLI online 100% of reported datapoints are that it will only be a soft pull but if you called in and spoke to a CSR there is a risk of taking a hard pull, but the thread I'm referencing is a much better resource than my memory.

Re: Are NFCU cc cli’s still only soft pulls?

OmarGB9 — Sun, 08 Jan 2023 17:46:11 GMT

As long as you ask via the app/website, yes, it'll be a SP only.

Re: Are NFCU cc cli’s still only soft pulls?

iowe — Sun, 08 Jan 2023 18:00:19 GMT

Awesome. Thanks. I smashed the cli button in the app and got instant approval. 24k to $32k I felt like I left some on the table but I’m happy nonetheless. I’ll smash it again when enough statement cycles have passed.

Re: Are NFCU cc cli’s still only soft pulls?

OmarGB9 — Sun, 08 Jan 2023 18:01:23 GMT

@iowe wrote:
Awesome. Thanks. I smashed the cli button in the app and got instant approval. 24k to $32k I felt like I left some on the table but I’m happy nonetheless. I’ll smash it again when enough statement cycles have passed.

Nope, $8k is the current cap, so you got everything you could've possibly gotten. Congrats!

Re: Are NFCU cc cli’s still only soft pulls?

iowe — Sun, 08 Jan 2023 18:31:14 GMT

Thanks!

Re: Are NFCU cc cli’s still only soft pulls?

pizzadude — Sun, 08 Jan 2023 18:33:14 GMT

Congrats on the approval ! Feel free to start a new thread to discuss in Credit Card Approvals if desired