topic Re: NFCU unsecured and secured cards- same credit pull? in Credit Cards

NFCU unsecured and secured cards- same credit pull?

19eighty5 — Mon, 16 Apr 2018 17:58:12 GMT

I am interested in applying for a NFCU credit card. I would like to apply for an unsecured CC like the nRewards. Would anyone know if Navy uses one credit pull for multiple applications? I'm thinking that if denied for unsecured, I could apply for the secured card without taking an additional inquiry hit.

Re: NFCU unsecured and secured cards- same credit pull?

Anonymous — Mon, 16 Apr 2018 18:25:59 GMT

from my exprerience, Navy will give a different pull for any and every application

Re: NFCU unsecured and secured cards- same credit pull?

FinStar — Mon, 16 Apr 2018 20:40:58 GMT

OP, as stated above, NAVY does not use the same HP for multiple applications. Expect a HP for every credit origination request.

Re: NFCU unsecured and secured cards- same credit pull?

ToughFistFight — Mon, 16 Apr 2018 20:46:21 GMT

NFCU is pull happy. Everything has a seperate pull. Even memebership was a hard pull for me.

Re: NFCU unsecured and secured cards- same credit pull?

19eighty5 — Tue, 17 Apr 2018 01:21:40 GMT

All- Thanks for the feedback! Thankfully, membership was not a hard pull for me but it's good to know that each credit app will be a unique pull. Not favorable, but good to know.

Re: NFCU unsecured and secured cards- same credit pull?

Anonymous — Tue, 17 Apr 2018 13:08:12 GMT

Different for me. I got a HP to open membership. Another HP for the CC and rep said i could use that same HP for another product of the same category (CC). I didn't go for another CC.

I did get a HP last month to increase my limit.

Re: NFCU unsecured and secured cards- same credit pull?

19eighty5 — Fri, 20 Apr 2018 03:40:56 GMT

@Anonymous wrote:
Different for me. I got a HP to open membership. Another HP for the CC and rep said i could use that same HP for another product of the same category (CC). I didn't go for another CC.

I did get a HP last month to increase my limit.

That's interesting. I'll need to call and speak to a rep to see what my situation would be. Thanks!

Re: NFCU unsecured and secured cards- same credit pull?

Anonymous — Fri, 20 Apr 2018 13:10:00 GMT

Best for you to do that. Report back so you can help others here

Re: NFCU unsecured and secured cards- same credit pull?

Anonymous — Fri, 08 Jun 2018 06:39:46 GMT

@19eighty5 wrote:
@Anonymous
That's interesting. I'll need to call and speak to a rep to see what my situation would be. Thanks!

did you call and try?

Re: NFCU unsecured and secured cards- same credit pull?

Brian_Earl_Spilner — Fri, 08 Jun 2018 06:54:17 GMT

@Anonymous wrote:
Different for me. I got a HP to open membership. Another HP for the CC and rep said i could use that same HP for another product of the same category (CC). I didn't go for another CC.

I did get a HP last month to increase my limit.

Should be a HP for anything credit card related with the only exception being if you get lucky after an AR and they use the SP from your AR. A HP for a CLOC or auto loan can be used for both, but they can still do a HP for each, which is what happened to me even though the apps were only 12 hours apart. I also got a HP for membership even though lately, people have been getting in with a SP.

EDIT: just realized somebody bumped a 2 month old thread.

Re: NFCU unsecured and secured cards- same credit pull?

19eighty5 — Fri, 08 Jun 2018 13:00:29 GMT

The rep confirmed that it would be a new hard pull for any product I applied for. Based on that informaton, I applied and opened a secured CC with Navy about two weeks later.

Re: NFCU unsecured and secured cards- same credit pull?

Anonymous — Fri, 08 Jun 2018 22:33:31 GMT

@19eighty5 wrote:
The rep confirmed that it would be a new hard pull for any product I applied for. Based on that informaton, I applied and opened a secured CC with Navy about two weeks later.

hmmm I wonder what would happen if you call and apply for unsecured and they reject you while on the phone...then you say ok give me secured?

that can't possibly be 2 pulls. even if it is....it should be combined automaticaly by the credit bureau.

I just crossed over 600 on my scores....so will wait a few month at least and try.

did you try unsecured over the phone or online and then waited 2 weeks to apply for secured?