NFCU Pull

[supill]

Hello everyone! 
I just became a NFCU member (yay!) and I applied for the platinum card. I got denied because I didn't meet their criteria but on the pre qual I saw that I was pre qualified for the secured. I have a 2y 2m old BK7. I wanted to know, if I were to call and try to obtain the secured card or even re-apply online would they do another hard pull on my credit report? 

[coldfusion]

---

@supill wrote:

Hello everyone! 
I just became a NFCU member (yay!) and I applied for the platinum card. I got denied because I didn't meet their criteria but on the pre qual I saw that I was pre qualified for the secured. I have a 2y 2m old BK7. I wanted to know, if I were to call and try to obtain the secured card or even re-apply online would they do another hard pull on my credit report? 

---

Stranger things have happened in this world but you should by default expect another HP if you re-apply.  If you call in you can ask if they will reuse the existing HP, just don't be surprised if they tell you it will be another HP.

[Anonymous]

@supill Sorry to hear about the denial. Did you get the letter yet?

I agree with @coldfusion, I couldn't find any recent posts about Navy re-using hard pulls. It seems to be a ymmv situation, even with lenders who are known to reuse hard pulls.  I would call in and expect a hard pull for the secured. 

[supill]

---

@Anonymous wrote:

@supill Sorry to hear about the denial. Did you get the letter yet?

I agree with @coldfusion, I couldn't find any recent posts about Navy re-using hard pulls. It seems to be a ymmv situation, even with lenders who are known to reuse hard pulls.  I would call in and expect a hard pull for the secured. 

---

Thank you, l have not yet gotten the letter yet. And okay, noted, thank you. 

[supill]

---

@coldfusion wrote:

---

@supill wrote:

Hello everyone! 
I just became a NFCU member (yay!) and I applied for the platinum card. I got denied because I didn't meet their criteria but on the pre qual I saw that I was pre qualified for the secured. I have a 2y 2m old BK7. I wanted to know, if I were to call and try to obtain the secured card or even re-apply online would they do another hard pull on my credit report? 

---

Stranger things have happened in this world but you should by default expect another HP if you re-apply.  If you call in you can ask if they will reuse the existing HP, just don't be surprised if they tell you it will be another HP.

---

Sounds good, thank you for the info!

[Brian_Earl_Spilner]

The system will try to reuse a pull within the last 30 days, but if it can't match you to the recent app, it will pull again. I just went through it. Letter came showing only reason for denial was I didn't qualify for minimum starting limit of flagship even though I was pre-approved. After sending secure message asking about reuse, I applied for the Platinum instead and was approved with no additional pulls.

[OmarGB9]

---

@Brian_Earl_Spilner wrote:

The system will try to reuse a pull within the last 30 days, but if it can't match you to the recent app, it will pull again. I just went through it. Letter came showing only reason for denial was I didn't qualify for minimum starting limit of flagship even though I was pre-approved. After sending secure message asking about reuse, I applied for the Platinum instead and was approved with no additional pulls.

---

+1

I had a similar situation. I applied for a cash Rewards, got denied. Wanted to try for a secured instead, so a few days later I called and asked (or sent a SM, don't remember) about re-using HPs, and they advised it would be another HP if I applied for the secured card. I wasn't happy about it, but I decided it was worth the risk anyway, so I went ahead and applied online and got approved for the secured card, and no second HP ever popped up.

[Anonymous]

In the past I've seen that they will email you after being declined and offer you the secured card. 

---

@supill wrote:

Hello everyone! 
I just became a NFCU member (yay!) and I applied for the platinum card. I got denied because I didn't meet their criteria but on the pre qual I saw that I was pre qualified for the secured. I have a 2y 2m old BK7. I wanted to know, if I were to call and try to obtain the secured card or even re-apply online would they do another hard pull on my credit report? 

---

[Anonymous]

---

@supill wrote:

Hello everyone! 
I just became a NFCU member (yay!) and I applied for the platinum card. I got denied because I didn't meet their criteria but on the pre qual I saw that I was pre qualified for the secured. I have a 2y 2m old BK7. I wanted to know, if I were to call and try to obtain the secured card or even re-apply online would they do another hard pull on my credit report? 

---

I applied for one of their cards last month the same day that I opened my account and was denied. This was on  Friday and it resulted in a hard pull.  So the following Monday I called in and applied for the secured card which I did get approved for and it DID result in another hard pull.

[OmarGB9]

---

@Anonymous wrote:

---

@supill wrote:

Hello everyone! 
I just became a NFCU member (yay!) and I applied for the platinum card. I got denied because I didn't meet their criteria but on the pre qual I saw that I was pre qualified for the secured. I have a 2y 2m old BK7. I wanted to know, if I were to call and try to obtain the secured card or even re-apply online would they do another hard pull on my credit report? 

---

I applied for one of their cards last month the same day that I opened my account and was denied. This was on  Friday and it resulted in a hard pull.  So the following Monday I called in and applied for the secured card which I did get approved for and it DID result in another hard pull.

---

I think it's because you called in; if you had applied online the second time, I believe you would have avoided the second HP.