Is it possible to join NFCU and apply for a card at the same time? Would this result in only one HP? Can you get approved for the Flagship as your first NFCU card? Thanks!
Yes, I join and applied the same day. Mine was multiple hard pulls, but they haven't been pulling for membership in a while. Yes, you can be approved for a flagship as your first card, but it's recommended to make your favorite the second card as it tends to have higher limits.
@1LostArk wrote:Is it possible to join NFCU and apply for a card at the same time? Would this result in only one HP? Can you get approved for the Flagship as your first NFCU card? Thanks!
800 credit score, multiple 20k limit cards, I think you'll be fine apping Flagship as the first card tbh, assuming DTI is normal
but it is true it should probably be a second card, but if you don't want a second card, I wouldn't let the advice shoe you into a card you don't want
if you want to wait 2-3 months, and get your direct deposit moved over first, and you can check that Navy is counting you as having Direct Deposit and are rather adverse to a lower limit or a rejection, you can take that path first
would you only want the flagship from them? or would you want Flagship + Amex? or Flagship + Platinum?
@1LostArk wrote:Is it possible to join NFCU and apply for a card at the same time? Would this result in only one HP? Can you get approved for the Flagship as your first NFCU card? Thanks!
Just one data point, I joined NFCU 10-days ago and didn't apply for anything; I just checked my credit reports and don't see a single pull on any of them, hard or soft.
@1LostArk wrote:Is it possible to join NFCU and apply for a card at the same time? Would this result in only one HP? Can you get approved for the Flagship as your first NFCU card? Thanks!
1. Yes it's ok to apply for a card right after you apply for membership.
2. Yes you can apply for the Flagship as your first card.
3. There is no HP for membership.
Just want to clarify, I think your question has an assumption that there is a hard pull just from becoming a member. There is NO hard pull of your credit just to become a NFCU member. You would only receive HPs from applying for one of their products: credit card, loans, etc.
Starting Score (Exp 8): 623 (Feb ‘23) 
My experience was also a pull for membership (which as stated already, they no longer do) and a pull for applying for the Flagship card the same day. I got a call to welcome me to NFCU and about a 30 minute tour of the website and all of the products they offer a week later, and they used one of those 2 pulls they already had to open a CLOC for me on that call. Flagship was my first application. It went pending and I had to submit POI due to "unusually high reported income" (their words, and I found it amusing because the number wasn't that big for my region) but I was approved for $24k. Based on your card lineup, as long as your reports are clean I wouldn't sweat going for Flagship right off the bat.
