Navy federal double apps allowed?

Anonymous · ‎05-07-2016

my dh just joined navy federal and got their cash rewards card. We are wondering if they allow apping for another card as well or are they a company that doesn't like double apping? I think I've read they use the same inquiry for 3 months?

Anonymous · ‎05-07-2016

@Anonymous wrote:
my dh just joined navy federal and got their cash rewards card. We are wondering if they allow apping for another card as well or are they a company that doesn't like double apping? I think I've read they use the same inquiry for 3 months?

I'm not sure about double apping. Someone will come along to answer that question. But they definitely don't use the same inquiry for 3 months (that's PenFed). They HP for any and every application.

baller4life · ‎05-07-2016

Each app is a separate hp. Penfed is where a hp is good for 90 days. What limit was given on your wife's Cashrewards?

baller4life · ‎05-07-2016

Haha @ Irish! Like minds

Anonymous · ‎05-07-2016

@Anonymous wrote:
@Anonymous wrote:
my dh just joined navy federal and got their cash rewards card. We are wondering if they allow apping for another card as well or are they a company that doesn't like double apping? I think I've read they use the same inquiry for 3 months?
I'm not sure about double apping. Someone will come along to answer that question. But they definitely don't use the same inquiry for 3 months (that's PenFed). They HP for any and every application.

Thank you for the information. I'm glad I told him we should check here first

Anonymous · ‎05-07-2016

@baller4life wrote:
Each app is a separate hp. Penfed is where a hp is good for 90 days. What limit was given on your wife's Cashrewards?

Oddly they only gave him 3000, about 13,000 less than he was given on other cards elsewhere. Are they extremely conservative on limits?

Anonymous · ‎05-07-2016

@baller4life wrote:
Each app is a separate hp. Penfed is where a hp is good for 90 days. What limit was given on your wife's Cashrewards?

I thought when you joined and apped at the same time, it was one hit? The banker didn't tell him differently when he mentioned it to her at opening

Anonymous · ‎05-07-2016

@baller4life wrote:
Each app is a separate hp. Penfed is where a hp is good for 90 days. What limit was given on your wife's Cashrewards?

edited because my comment posted twice, darn iPad

baller4life · ‎05-07-2016

Oooh I meant hubby. I haven't had my morning coffee yet. No, Navy is very generous!! That's why I asked what limit was he given and that would determine if he should app another card. I think he should hold off apping another card. Give it 6 months. What's his EQ score? Any baddies?

baller4life · ‎05-07-2016

@Anonymous wrote:
@baller4life wrote:
Each app is a separate hp. Penfed is where a hp is good for 90 days. What limit was given on your wife's Cashrewards?
I thought when you joined and apped at the same time, it was one hit? The banker didn't tell him differently when he mentioned it to her at opening

Typically with Navy Fed it's a TU hp to join. Then EQ hp for each product you app. They are very hp happy.