topic Re: Navy Fed CU -- hard pull to join? in Personal Finance

Navy Fed CU -- hard pull to join?

Anonymous — Mon, 12 Feb 2018 03:36:25 GMT

Do we have a definite answer on whether Navy Fed has been doing hard pulls for joining the CU? At least in the last six months?

At one time the answer was that anyone joining would get a hard pull. But I though I had heard people start reporting (more recently) that they had joined without a hard pull.

Has this been answered conclusively? Thanks in advance...

PS. Also curious whether all the easy entry loopholes were closed. If anyone can comment on a reasonable strategy that would probably work for a non-military person without any obvious military family they know of, that would also help.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Tue, 13 Feb 2018 06:27:59 GMT

Thanks pal! Can anyone else confirm that Navy no longer involves a hard pull to join?

Re: Navy Fed CU -- hard pull to join?

Anonymous — Tue, 13 Feb 2018 07:55:52 GMT

Joined last week and it was a Hard Pull, I went into a branch if that matters. She mentioned this after I signed all the papers, lol, my fault for not asking but I just hadn't heard of it for a checking. Good news is she said the HP is good for various products for X amount of days. I am sorry I didn't ask how many since I was annoyed and told her she may as well open a credit card if I was going to take the inquiry I didn't want it to appear as if I were denied if I didn't have a matching account.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Tue, 13 Feb 2018 17:44:38 GMT

wrote:
Joined last week and it was a Hard Pull, I went into a branch if that matters. She mentioned this after I signed all the papers, lol, my fault for not asking but I just hadn't heard of it for a checking. Good news is she said the HP is good for various products for X amount of days. I am sorry I didn't ask how many since I was annoyed and told her she may as well open a credit card if I was going to take the inquiry I didn't want it to appear as if I were denied if I didn't have a matching account.

So strange. We are still getting mixed reports of some people getting hard pulls and some not.

When you opened your checking, was there an overdraft protection plan as part of it? If so, such OPP's often involve a hard pull.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Tue, 13 Feb 2018 18:29:33 GMT

You would think with one of the best intelligence agencies in the world, a soft pull would suffice.

Re: Navy Fed CU -- hard pull to join?

UncleB — Sat, 17 Feb 2018 22:51:33 GMT

@Anonymouswrote:
wrote:
Joined last week and it was a Hard Pull, I went into a branch if that matters. She mentioned this after I signed all the papers, lol, my fault for not asking but I just hadn't heard of it for a checking. Good news is she said the HP is good for various products for X amount of days. I am sorry I didn't ask how many since I was annoyed and told her she may as well open a credit card if I was going to take the inquiry I didn't want it to appear as if I were denied if I didn't have a matching account.

So strange. We are still getting mixed reports of some people getting hard pulls and some not.

When you opened your checking, was there an overdraft protection plan as part of it? If so, such OPP's often involve a hard pull.

Strange indeed; I don't recall hearing of NFCU ever reusing a HP for anything. This actually sounds more like PenFed.

If this is more than a one-off it will be a welcome change, of course.

The NFCU 'mega' thread has a number of recent reports of membership via SP; as far as I know there haven't been any recent reports there of HPs (for membership, that is). It's 'business as usual' for everything else, though.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Sun, 18 Feb 2018 21:46:45 GMT

For what it’s worth, I joined Navy several weeks ago (my grandfather had served in WW2). Did everything over the phone, and was definitely a SP. A couple of days ago, applied for a CC online, and they HP TU. Hope that helps. I had read in the big Navy thread that effective 1/1/18, memberships were no longer a HP, and at least for me, that was the case.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Thu, 08 Mar 2018 14:52:25 GMT

Sorry I don’t come on here often. As I stated my membership checking/savings was a hard pull and the lady at the desk said it was good for like 2 weeks if I wanted more product as I stated before. I was alerted by all my credit cards that actively check my accounts of the hard pull even before I left the bank. I went into a physical location in South Korea. I came home ticked off and that’s when I said well I’m going to make the HP worth it and hit the app button and picked a credit card. 1 min later they added it to my profile and the app button was gone. I understand what others are reporting that’s why I was so confused. I did not get a second HP alert and checked manually the following week still nothing. Strangely enough though they have not reported the card and it’s been opened for just over 30 days so I’m not sure what is going on.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Thu, 08 Mar 2018 17:26:21 GMT

Thanks TK. You may have missed one of my questions. I wrote:

When you opened your checking, was there an overdraft protection plan as part of it? If so, such OPP's often involve a hard pull.

We are all still trying to make sense out of why you got a hard pull, given that most people in the last few months have not received a hard pull for joining and setting up a savings/checking.

If you had an overdraft protection plan, that would probably explain it.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Sat, 17 Mar 2018 17:47:10 GMT

I just joined literally an hour ago and I didn't received any alerts from any of the CUs.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Mon, 02 Jul 2018 02:03:33 GMT

I know I am late to the party on this one, but I joined last night, and there was no hard pull. I did it all online, live in FL, and was eligible as a DoD contractor and an Army Veteren. I hope this helps anyone looking for any info!

Re: Navy Fed CU -- hard pull to join?

Anonymous — Tue, 03 Jul 2018 01:25:53 GMT

I joined on Friday, HP TU for membership, HP TU for Cash Rewards CC and HP EQ for cloc 😅

Re: Navy Fed CU -- hard pull to join?

UncleB — Tue, 03 Jul 2018 01:55:40 GMT

@Anonymous wrote:
I joined on Friday, HP TU for membership, HP TU for Cash Rewards CC and HP EQ for cloc 😅

You're the first person to report a HP for membership in months... are you sure there was a HP just for your membership?

Re: Navy Fed CU -- hard pull to join?

Anonymous — Tue, 03 Jul 2018 02:03:53 GMT

Actually you’re correct, I just looked at my alerts and I got a HP from TU on the 28th and HP on EQ on the 30th. Then today my TU took a -19 point drop, I misread and thought that was a HP as well.

Re: Navy Fed CU -- hard pull to join?

UncleB — Tue, 03 Jul 2018 02:39:17 GMT

@Anonymous wrote:
Actually you’re correct, I just looked at my alerts and I got a HP from TU on the 28th and HP on EQ on the 30th. Then today my TU took a -19 point drop, I misread and thought that was a HP as well.

Thanks for the follow-up... it's good to hear that hasn't changed!

Re: Navy Fed CU -- hard pull to join?

Flex1 — Sun, 16 Sep 2018 23:35:49 GMT

I just joined and it was a hard pull. Just basic checking. I'll call customer service tomorrow. I have never heard of a hard pull just for a membership and checking account. No lines of credit applied for etc... I'll keep you posted.

Re: Navy Fed CU -- hard pull to join?

Brian_Earl_Spilner — Sun, 16 Sep 2018 23:43:50 GMT

@Flex1 wrote:
I just joined and it was a hard pull. Just basic checking. I'll call customer service tomorrow. I have never heard of a hard pull just for a membership and checking account. No lines of credit applied for etc... I'll keep you posted.

I had a hard pull in May, when I joined. With Navy, you should expect a hard pull and be happy if it isn't with everything.

Re: Navy Fed CU -- hard pull to join?

Anonymous — Mon, 17 Sep 2018 00:18:37 GMT

When DW and I joined is was sp. That was I think in April. The only hp was our car loan a few weeks later. They pulled equifax for car loan.

We do not have any navy credit cards. We do have savings and checking with them

Re: Navy Fed CU -- hard pull to join?

AverageJoesCredit — Mon, 17 Sep 2018 01:49:56 GMT

@Anonymous wrote:
When DW and I joined is was sp. That was I think in April. The only hp was our car loan a few weeks later. They pulled equifax for car loan.
We do not have any navy credit cards. We do have savings and checking with them

LOLWUT!?! B uou need to get your Navy cc grind on Thats like having access to a great burger and no drinking it down with a great Coke ( or whatever floats your boat )

Re: Navy Fed CU -- hard pull to join?

Anonymous — Mon, 17 Sep 2018 03:36:32 GMT

@AverageJoesCredit wrote:
@Anonymous wrote:
When DW and I joined is was sp. That was I think in April. The only hp was our car loan a few weeks later. They pulled equifax for car loan.
We do not have any navy credit cards. We do have savings and checking with them
LOLWUT!?! B uou need to get your Navy cc grind on Thats like having access to a great burger and no drinking it down with a great Coke ( or whatever floats your boat )

We really don't need the card. We hardly ever carry a balance. DW Amex BCP an interest rate on it of 13.xx% with a 15K limit. She also has an Amex Magnet with 10K with a 0% promo I also talked the oracle at the Disco temple with 14K limit to keep ofering us 2% 11 month bt's .

Wednesday I am bt our IRS bill from Citi DC to Disco. I have DW Bosch oven on the Amex Magnet with 0% for 12 months. Because sometimes we can go 60 days between paydays we tend to keep low balances on cards and more cash on hand than most people.

If we had a regular job I probably would get a Navy Card. Dw wants more of the roof redone. Last year we replaced a big portion of shingles with tin and now she wants to finish that out. They only take cash.