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NFCU... HP or SP?

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Valued Contributor

NFCU... HP or SP?

NFCU... HP or SP?

 

 

Is it a Hard Pull or Soft Pull to Join?

 

Also, credit card applications... HP or SP?

 

Multiple apps same day?  HP/SP?

 

CreditAddict...chime in?? LOL Smiley Happy






Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.
Member of:
Andrews FCU (Share), PENFED CU (Checking/Share), SDFCU (Share), Alliant CU (Checking/Share), NASA FCU (Share), NWFCU (Checking/Share), Ally Bank (Checking/Savings), BofA (Checking/Share), Navigant CU (Share), Greenwood CU (Share), Elements Financial CU (Share), Ocean State CU (Share), SDFCU (Share), Wells Fargo (Checking), RI Credit Union (Share), CashApp, PayPal Premier (for free direct deposit access with cash card), Paypal Business - Grandfathered 1.5% Cash Back on Biz Debit), Apple Pay Cash, and Venmo.
I WANT to join: Hanscom FCU (For the 2 day early direct deposit).
Burned:
DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 1 of 9
8 REPLIES 8
Moderator

Re: NFCU... HP or SP?


@JTC403 wrote:

NFCU... HP or SP?

 

 

Is it a Hard Pull or Soft Pull to Join?

 

Also, credit card applications... HP or SP?

 

Multiple apps same day?  HP/SP?

 

CreditAddict...chime in?? LOL Smiley Happy


They did soft pull via EQ for me to join, hard pull to apply for first card and then another hard next day to use for NavChek approval..  I'm not positive about the multiple app process but my guess would be one hard pull for all of them but I could be wrong.

Message 2 of 9
Valued Contributor

Re: NFCU... HP or SP?

So I have this 10K card 

 

 

Now i applied for NavCheck (asked for 15K)


Says under review... is this a bad sign?

 

 

 

Also, when i logged in (just now).. it popped up pre-approved for nrewards... i clicked accept... got the under review.. (prob cause they just gave me 10K)

 

Anyway... i pulled my credit... dont see any HP (yet)

 

 crossing fingers...

 

 






Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.
Member of:
Andrews FCU (Share), PENFED CU (Checking/Share), SDFCU (Share), Alliant CU (Checking/Share), NASA FCU (Share), NWFCU (Checking/Share), Ally Bank (Checking/Savings), BofA (Checking/Share), Navigant CU (Share), Greenwood CU (Share), Elements Financial CU (Share), Ocean State CU (Share), SDFCU (Share), Wells Fargo (Checking), RI Credit Union (Share), CashApp, PayPal Premier (for free direct deposit access with cash card), Paypal Business - Grandfathered 1.5% Cash Back on Biz Debit), Apple Pay Cash, and Venmo.
I WANT to join: Hanscom FCU (For the 2 day early direct deposit).
Burned:
DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 3 of 9
Regular Contributor

Re: NFCU... HP or SP?

For me it was a hp on TU to join.

Cash rewards approval was hp on EQ.
Navcheck approval for $15k also hp on EQ.

So i believe I read that NFCU is hp happy. For me anything credit related is a EQ hp. But I can't complain.
Officially Gardening, Viva Piñata Style.


Message 4 of 9
Established Contributor

Re: NFCU... HP or SP?

I've only gotten hard from NFCU.

 

But it's well worth it for their generous Limits


My credit sux and I apped to much
Message 5 of 9
Regular Contributor

Re: NFCU... HP or SP?

Most of my hp's last year were from NFCU.  They hp me for everything with the exception of 2 cli's. 

Current Scores - EX 658, EQ 713, TU 722
Message 6 of 9
New Contributor

Re: NFCU... HP or SP?

I joined in August of this year.  When joined, I got an HP on TU.  When I app'd for the CC, a week later, there was an HP on EQ.  There's been a couple SP's on EQ since then.

Message 7 of 9
Frequent Contributor

Re: NFCU... HP or SP?


@CreditFlunky wrote:

I've only gotten hard from NFCU.

 

But it's well worth it for their generous Limits


I read this wrong Smiley Sad but I second everyone here. HP on TU for membership and 2 HP on EQ for my cash rewards and my flagship and then an soft on EQ the week after. I have no idea why. But i know I got approved close to the due date and my cards started reporting 2 weeks later. 




Credit: $80K Total Credit Lines...Gardening until 7/2018
Message 8 of 9
Epic Contributor

Re: NFCU... HP or SP?


@JTC403 wrote:

So I have this 10K card 

 

 

Now i applied for NavCheck (asked for 15K)


Says under review... is this a bad sign?

 

 

 

Also, when i logged in (just now).. it popped up pre-approved for nrewards... i clicked accept... got the under review.. (prob cause they just gave me 10K)

 

Anyway... i pulled my credit... dont see any HP (yet)

 

 crossing fingers...

 

 


navhceck almost always goes review... no biggie

2nd card is always review but if it was offer no biggie either.

Message 9 of 9
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