So I joined NFCU last week,. I know its a HP on my report. I asked the representative since the already pulled for membership, is it another pull for apping for a CC, and she said yes it is. Hmmm I'm confused, I've read on here that it will be the saame pull. Anyone defintely know the correct answer?
Just my experience - I opened an account with them last month. It was a TU HP for checking / savings membership. When I applied for a CC later that week, it was an EQ HP.
I am so excited to be with them. I was declined for their CC, but I kind of expected that. I have a lot of things pending updates on my CR. I will wait a few months and app again when my score is higher.
Congrats on getting in!
05/01/15: EQ 519 TU 541 EX 506 10/28/15: EQ 637 TU 646 EX 622 First Goal Score: 600 Second Goal Score: 640
Congrats on getting in... yeah you might want to work on your score before you app again. You can always get a secured card to start your relationship with them.
Amex Gold / Amex Platinum / Amex Marriott Brilliant/ Amex BCP/ Capital One Venture (AU) / Capital One Savor One/ Discover / NFCU Cash Rewards / BOA Unlimited Cash Rewards / NFCU GO Rewards (AU) / Amex EDP / NFCU Flagship Rewards / Chase Freedom (AU) / Capital One QuickSilver / Citi Costco (AU) / Amex Delta
Congrats on getting in... yeah you might want to work on your score before you app again. You can always get a secured card to start your relationship with them.
Secured Card, hmmm what kind of score do you need? Even after my app spree, so far MYFico is keeping my scores the same EQ 680, Trans685, EXp 742. I did loose 2 points on Experian.
my experience was very different. i was on the phone, told them i wanted an auto loan and they said i needed to do membership first. they said if my credit is good then i can get membership immediately and then do my auto. i was granted membership that day and did my app for my auto loan in the same phone call with the same credit pull and got my approval for it that night as well.
@Anonymous wrote: my experience was very different. i was on the phone, told them i wanted an auto loan and they said i needed to do membership first. they said if my credit is good then i can get membership immediately and then do my auto. i was granted membership that day and did my app for my auto loan in the same phone call with the same credit pull and got my approval for it that night as well.
That was pretty good! I just apped last week, why not use the same CR, LOL!
If thats the golden rule then it is what is. So what kind of scores are needed? No Baddies on my CR, but do have new acct's, low limits on all my cards.
NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
