Separate HP for all three. Not sure about the BT stuff, someone else can chime in.
@Anonymous wrote:Hello MyFicoers,
You guys have been a tremendous help to me so far! I have learnt so much in the short time I have been on this board.
I had a few more questions before I join NFCU, app for a CC and Navcheck. I was told by a rep that doing all 3 on the phone would result in just one pull. Have any of you had any experience with this? Also when applying for a credit card online, there is a section that asks if there will be a balance transfer? Is it wise to say yes and input the account details/amount. Wondering if this aids or hurts my chances of getting a good CL.
Thanks so much
Membership= HARD PULL
CC= HARD PULL
NavCheck= HARD PULL
Honestly, checking the box indicating you desire to do a balance transfer is enough. Considering NFCU will be pulling your credit report, they will see your overall indebtness and exposure--so not putting the information won't mean you will get a higher credit limit IMHO. Credit score, income, DTI, etc will be the deciding factors of how much overall credit they are willing to extend to you at any given time.
I don't think a BT will effect the CL. Navy gives good limits anyway 
As stated, all 3 will likely be a HP. You can try over the phone, can't hurt lol
But what we have learned is it is 3 separate departments, Membership, CC lending and Navcheck Lending departments (Navcheck may be same as personal loans and auto). They can not see each others pulls.
Good luck
As stated, all 3 will likely be a HP. You can try over the phone, can't hurt lol
But what we have learned is it is 3 separate departments, Membership, CC lending and Navcheck Lending departments (Navcheck may be same as personal loans and auto). They can not see each others pulls.
Good luck
When I signed up I was a bit dumb..
First signed up for savings = Hp
Then Checking = another HP..
Then applied for 3 cards = 3 HPs
Needless to say Navy backed the HP truck up and started dumping all over my CR, all but 1 was on EQ.
The pulls effected my scores enough to increase my APR on the last card by 3% from the first.
First signed up for savings = Hp
Then Checking = another HP..
Then applied for 3 cards = 3 HPs
Needless to say Navy backed the HP truck up and started dumping all over my CR, all but 1 was on EQ.
The pulls effected my scores enough to increase my APR on the last card by 3% from the first.