Are NFCU cc cli’s still only soft pulls?

[iowe]

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? 

[pizzadude]

Yes, NFCU's CLIs are soft pulls.

[coldfusion]

Here's the thread you want to read.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Datapoints-Thread-for-Members...

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.

[OmarGB9]

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

[iowe]

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.

[OmarGB9]

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@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.

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

[iowe]

Thanks!

[pizzadude]

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