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NFCU membership SP or HP ?

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SnowBowl
Frequent Contributor

NFCU membership SP or HP ?

Alright, they are little bit different than PenFed process, but luckly my dad was in the army for 30+ years and he can sponsor me thru NFCU site... my question is when he fills the form out for me wihch include my SSN , etc it is HP or SP ?  and also which CR does NFCU use ? same as penfed ?

this siggy line is updated on 6/26/2025!
794 TU the most abused bureau LOL EQ 821 with only 1 INQ
Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: NFCU membership SP or HP ?

I applied for membership, cc and cloc and they HP'd EQ 2x and TU 2x.  I believe membership was 1 each. 

 

Edit:  Actually it may have been 1x TU for membership, 1x EQ for CC, and 1/1 for the CLOC. 

Message 2 of 9
SnowBowl
Frequent Contributor

Re: NFCU membership SP or HP ?


@Anonymous wrote:

I applied for membership, cc and cloc and they HP'd EQ 2x and TU 2x.  I believe membership was 1 each. 


Bummer, I was hoping to be on 1 same HP like PenFed did for me last week.. but got a question for you. after my dad " sponsor me" thru his NFCU then I can apply for a card with my own login / password, correct ? or do I have to go thru him by telling him to apply for me by using his username / password ?

this siggy line is updated on 6/26/2025!
794 TU the most abused bureau LOL EQ 821 with only 1 INQ
Message 3 of 9
Anonymous
Not applicable

Re: NFCU membership SP or HP ?

Once you are a member, you apply for everything through your own portal.  I am assuming you are over 18...Smiley Wink  

 

Also, I made an edit check that out..lol.  

Message 4 of 9
SnowBowl
Frequent Contributor

Re: NFCU membership SP or HP ?


@Anonymous wrote:

Once you are a member, you apply for everything through your own portal.  I am assuming you are over 18...Smiley Wink  

 

Also, I made an edit check that out..lol.  


LOL, yeah I am way past age 18 Smiley Very Happy  did your NFCU visa card ended up  instant approval or manual review ?

this siggy line is updated on 6/26/2025!
794 TU the most abused bureau LOL EQ 821 with only 1 INQ
Message 5 of 9
Anonymous
Not applicable

Re: NFCU membership SP or HP ?


@SnowBowl wrote:

@Anonymous wrote:

Once you are a member, you apply for everything through your own portal.  I am assuming you are over 18...Smiley Wink  

 

Also, I made an edit check that out..lol.  


LOL, yeah I am way past age 18 Smiley Very Happy  did your NFCU visa card ended up  instant approval or manual review ?



Membership was instant, credit card was instant, CLOC needed address verification. 

Message 6 of 9
SnowBowl
Frequent Contributor

Re: NFCU membership SP or HP ?


@Anonymous wrote:

@SnowBowl wrote:

@Anonymous wrote:

Once you are a member, you apply for everything through your own portal.  I am assuming you are over 18...Smiley Wink  

 

Also, I made an edit check that out..lol.  


LOL, yeah I am way past age 18 Smiley Very Happy  did your NFCU visa card ended up  instant approval or manual review ?



Membership was instant, credit card was instant, CLOC needed address verification. 


I am on their products page right now.. I am undecided which one to go with, defintely not the $49 AF ones.. already got enough cards with AF ..  I would pick whichever offers BT with 0% fees.

this siggy line is updated on 6/26/2025!
794 TU the most abused bureau LOL EQ 821 with only 1 INQ
Message 7 of 9
CountryLivin
Valued Contributor

Re: NFCU membership SP or HP ?

In all the years I have been with NFCU, they have done a HP for just about everything.

Message 8 of 9
RonM21
Valued Contributor

Re: NFCU membership SP or HP ?

I'm only aware of them doing a HP for everything also, from reading all of the threads.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 9 of 9
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