So I put in an application last Thursday for membership with NFCU. It said the application could take up to 7-10 days to process blah blah blah. So fast forward to this past Wednesday and I was checking my Transunion report (my EQ and EX are frozen due to some fraudulent stuff) and low and behold I see a hard pull from Navy! I checked my email religiously on Wednesday and Thursday but no welcome email ever arrived. At that point I was pretty bummed thinking they didn't accept my membership or something but I decided to just call up to my local branch and see what they could tell me. They said everything looked great and that I was approved for membership. Yay!!! I went this morning to the local branch and put money into the savings account and when I got home I applied for the cash rewards credit card. I got a message that said the application could take 24 hours to process...is that normal? I guess I was hoping for an instant approval. 
My TU score is currently sitting at 682 so I figured with that score and only 1 baddie from 5 years ago I should get a pretty decent limit but now I'm not so sure. I'm worried because I've heard some people say they've had EQ pulled for cc and cloc's so since mine is frozen I don't know if that will cause a problem with my application. Should I just call and make sure they pull TU or wait it out? I hate that today is Friday because if I don't hear back by the end of the day I'm going to have to wait until Monday. lol Any suggestions?
@Anonymous wrote:So I put in an application last Thursday for membership with NFCU. It said the application could take up to 7-10 days to process blah blah blah. So fast forward to this past Wednesday and I was checking my Transunion report (my EQ and EX are frozen due to some fraudulent stuff) and low and behold I see a hard pull from Navy! I checked my email religiously on Wednesday and Thursday but no welcome email ever arrived. At that point I was pretty bummed thinking they didn't accept my membership or something but I decided to just call up to my local branch and see what they could tell me. They said everything looked great and that I was approved for membership. Yay!!! I went this morning to the local branch and put money into the savings account and when I got home I applied for the cash rewards credit card. I got a message that said the application could take 24 hours to process...is that normal? I guess I was hoping for an instant approval.
You can check the status of your credit card application here-
@Aduke1122 wrote:
Good luck OP keep us posted !
Goodluck OP and congrats on the membership. It's been about a week now waiting for approval for my membership since I faxed my application along with the supporting documentation such as the Navy league, receipts and drivers license .
@Anonymous wrote:
@Aduke1122 wrote:
Good luck OP keep us posted !Goodluck OP and congrats on the membership. It's been about a week now waiting for approval for my membership since I faxed my application along with the supporting documentation such as the Navy league, receipts and drivers license
a week? did you check with membership if they got it? email was one day for me this week - sent it monday, membership/card on wed.
Ok, so for anyone who cares here is an update: I was hoping to hear back from Navy today about a decision regarding cc my application but instead I got a message from them saying that they needed to know how much I pay for my student loans. My heart sank. I wasn't thinking that my student loans would come into play here. I owe quite a bit on those bad boys (to the tune of $65000) but they are currently in deferment until next May. I called the number they gave me and explained all this to them and the nice lady I spoke with said it was documented and I would hear back by Monday or Tuesday about their decision. Maybe I'm being a bit of a pessimist, but it doesn't feel like this is going to work out in my favor. Still hoping for the best but we shall see...