topic Re: NFCU — join & app same day? in Credit Cards

NFCU — join & app same day?

1LostArk — Sat, 23 Dec 2023 00:48:48 GMT

Is it possible to join NFCU and apply for a card at the same time? Would this result in only one HP? Can you get approved for the Flagship as your first NFCU card? Thanks!

Re: NFCU — join & app same day?

Brian_Earl_Spilner — Sat, 23 Dec 2023 00:55:31 GMT

Yes, I join and applied the same day. Mine was multiple hard pulls, but they haven't been pulling for membership in a while. Yes, you can be approved for a flagship as your first card, but it's recommended to make your favorite the second card as it tends to have higher limits.

Re: NFCU — join & app same day?

Guyatthebeach — Sat, 23 Dec 2023 01:14:08 GMT

@1LostArk ,

Yes you can apply any loan product the same time you join Navy Federal. When I joined NFCU, I applied for the cash rewards card and a personal line of credit the day I joined. There were 2 HP's. I applied for membership, the Visa, and the PLOC inside a branch. It's recommended to apply for the Flagship card as a second card.

Guyatthebeach

Re: NFCU — join & app same day?

GZG — Sat, 23 Dec 2023 05:19:03 GMT

@1LostArk wrote:
Is it possible to join NFCU and apply for a card at the same time? Would this result in only one HP? Can you get approved for the Flagship as your first NFCU card? Thanks!

800 credit score, multiple 20k limit cards, I think you'll be fine apping Flagship as the first card tbh, assuming DTI is normal

but it is true it should probably be a second card, but if you don't want a second card, I wouldn't let the advice shoe you into a card you don't want

if you want to wait 2-3 months, and get your direct deposit moved over first, and you can check that Navy is counting you as having Direct Deposit and are rather adverse to a lower limit or a rejection, you can take that path first

would you only want the flagship from them? or would you want Flagship + Amex? or Flagship + Platinum?

Re: NFCU — join & app same day?

Horseshoez — Sat, 23 Dec 2023 14:29:31 GMT

@1LostArk wrote:
Is it possible to join NFCU and apply for a card at the same time? Would this result in only one HP? Can you get approved for the Flagship as your first NFCU card? Thanks!

Just one data point, I joined NFCU 10-days ago and didn't apply for anything; I just checked my credit reports and don't see a single pull on any of them, hard or soft.

Re: NFCU — join & app same day?

SouthJamaica — Sat, 23 Dec 2023 16:42:41 GMT

@1LostArk wrote:
Is it possible to join NFCU and apply for a card at the same time? Would this result in only one HP? Can you get approved for the Flagship as your first NFCU card? Thanks!

1. Yes it's ok to apply for a card right after you apply for membership.

2. Yes you can apply for the Flagship as your first card.

3. There is no HP for membership.

Re: NFCU — join & app same day?

Din2 — Thu, 04 Jan 2024 22:01:13 GMT

Just want to clarify, I think your question has an assumption that there is a hard pull just from becoming a member. There is NO hard pull of your credit just to become a NFCU member. You would only receive HPs from applying for one of their products: credit card, loans, etc.

Re: NFCU — join & app same day?

K-in-Boston — Fri, 05 Jan 2024 01:45:19 GMT

My experience was also a pull for membership (which as stated already, they no longer do) and a pull for applying for the Flagship card the same day. I got a call to welcome me to NFCU and about a 30 minute tour of the website and all of the products they offer a week later, and they used one of those 2 pulls they already had to open a CLOC for me on that call. Flagship was my first application. It went pending and I had to submit POI due to "unusually high reported income" (their words, and I found it amusing because the number wasn't that big for my region) but I was approved for $24k. Based on your card lineup, as long as your reports are clean I wouldn't sweat going for Flagship right off the bat.