topic Re: NFCU Pre-Approved, then DENIED! in Credit Card Applications

NFCU Pre-Approved, then DENIED!

StephanZ — Sun, 04 May 2025 08:31:04 GMT

About two months ago I recied my first NFCU CC, the Cash Rewards. Yesterday, they showed I was pre-approved for the More Rewards and the Flagship CC. I applied for the More Rewards , but was DENIED. Today I asked for reconsideration and I'm currently waiting.

TU Fico= 672

I've had a good credit history for over a year now, but did have some late payments and now paid charge-offs in the past. Currently, I have direct deposit, checking, savings, CD, CC, and pledge loan with them.

Could it be the past negative items holding back the approval, credit score, or did I apply for a new card too soon?

Re: NFCU Pre-Approved, then DENIED!

JoeRockhead — Sun, 04 May 2025 10:23:39 GMT

They have a 90 day between applications policy, so that was likely the reason for denial.

Their pre-approvals are also known to be very unreliable.

Re: NFCU Pre-Approved, then DENIED!

GZG — Sun, 04 May 2025 16:44:35 GMT

@StephanZ wrote:
did I apply for a new card too soon?

yes

they HP you for it?

Re: NFCU Pre-Approved, then DENIED!

indiolatino61 — Sun, 04 May 2025 19:13:41 GMT

I hope your recon effort is successful. I no longer trust any pre-approval or pre-qualification offer. Back in the day, these used to mean something. Now, I think it is more a marketing tactic than anything else. It's akin to one hand not knowing what the other hand is doing. If they have a 90-day application policy, and they must be aware that you applied within that time frame, why even send a pre-approval offer? Best of luck to you.

Re: NFCU Pre-Approved, then DENIED!

CreditCrusader — Mon, 05 May 2025 11:40:09 GMT

@JoeRockhead wrote:
Their pre-approvals are also known to be very unreliable.

And yet, the applicant is saddled with a hard pull that sticks on the CR for two years.

Really getting fed up with the games these institutions play with people's credit. I avoid many of them like the plague for this very reason.

Re: NFCU Pre-Approved, then DENIED!

StephanZ — Tue, 06 May 2025 14:21:29 GMT

I would assume they did a hard pull, however I haven't seen it hit yet so maybe there's hope that I can at least avoid the HP.

Re: NFCU Pre-Approved, then DENIED!

StephanZ — Tue, 06 May 2025 14:24:11 GMT

I agree! In my experience Capital One is the only one who's pre-approval still means anything, but they also HP all three bureau's sadly.

Re: NFCU Pre-Approved, then DENIED!

StephanZ — Tue, 06 May 2025 14:26:19 GMT

Yup, just denied on appeal. Was the 90 day rule accouding to their message bot.

Re: NFCU Pre-Approved, then DENIED!

DCC76 — Sun, 11 Jan 2026 22:39:27 GMT

They did the same to me. Since it was only a secured card, I didn't bother. Pen Fed pulled the same crap - I got the BBB involved and suddenly it was approved for the 5K they promised.

Re: NFCU Pre-Approved, then DENIED!

pizzadude — Tue, 17 Feb 2026 17:31:17 GMT

@CreditCrusader wrote:
And yet, the applicant is saddled with a hard pull that sticks on the CR for two years.

Really getting fed up with the games these institutions play with people's credit. I avoid many of them like the plague for this very reason.

FICO only cares about the HP for one year, it's ignored after that

Re: NFCU Pre-Approved, then DENIED!

ElvisCaprice — Tue, 17 Feb 2026 19:08:21 GMT

@pizzadude wrote:
@CreditCrusader wrote:
And yet, the applicant is saddled with a hard pull that sticks on the CR for two years.

Really getting fed up with the games these institutions play with people's credit. I avoid many of them like the plague for this very reason.
FICO only cares about the HP for one year, it's ignored after that

True, but as you know, FICO isn't the only determinant. That 2 years of most recent data in the profile often is more important.

Re: NFCU Pre-Approved, then DENIED!

Pppoolboy — Thu, 26 Feb 2026 04:22:39 GMT

Exactly. People forget that approvals are based on profile, not score. The score just gets you in the door.

Re: NFCU Pre-Approved, then DENIED!

BankDealer — Thu, 26 Feb 2026 18:51:50 GMT

I remember the saying that better a 690 with a thick profile than an 800 with just one card.