Preapproved offer for NFCU?

[Harvey26]

Quick Question. Mom just recently joined Navy Federal and already has a preapproved offer for auto loan but has not recieved anything for credit card. Should she wait until she recieves one or do they even do preapproved for credit cards? 

[AllCredit]

I don't have an answer to your question, but had one for you...is there a place online that you see the offers or was it through email/snail mail?

[Aduke1122]

They do send pre approved offers for ccs both fiancé and I got one when we joined last summer

[Aduke1122]

Also to answer the other question, you can have offers in your online account under the offers tab , or they can come thru email and snail mail

[Anonymous]

I 2nd @Aduke

Navy does send pre-approves for CC...

I ignored several sent by mail and email prior to accepting one with a HUGE SL

* Also an FYI

Have Mom's double up on that auto approval if she takes it....meaning that the same pull and loan dept (not credit cards though, mind you)

evals and issues the CLOC and PLs so she may as well app for both on the same pull before it wears off, she'll have 30 days

but why wait, it's either a yeah or nay...no additional pull, same dept...really easy for the UW to say 'sure' why not already in the file.

This is exactly how I got my CLOC last year this time February, actually ...right after they said Yes to my auto preapproval (the whole 60 day deal) before I even chose my LexusI asked about the CLOC (ppl here share the info) and boom 15 CLOC (otherwise I probably wouldn't have applied...I wasn't looking and didn't 'need' the LOC)

but for credit thickness and profile purposes I said, the heck with why not..no harm no foul, right....hey that has come in handy and is easy to use (Free W/E loans, if you borrow Friday afternoon, as it dosn't process til Tuesday, especially for West Coasters)

Anyway, she should simply ask her file is already inthat dept and there won't be another HP (if it's been less than a month)...as always ask for the max 15k, if they give less fine but often they just go with what you ask for, so ask high not low.

BTW, Welcome Momma, to the fam

P.S.

Truth be told, I think the auto approval is probably tougher than getting an initial CC approval with Navy, if she apps any card but the Plat I'd be shocked and eat my hat if she weren't approved Navy loves approving new members and if she were approved for an auto loan which goes through manual UW where as the 1st CC app goes through the weak automated system she's cake

Best of luck

[creditguy]

If she wants a CC then she should just apply for one. Why wait? You can see plenty of Navy approvals here daily with no pre approvals. Go for it.

[AllCredit]

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@Aduke1122 wrote:
Also to answer the other question, you can have offers in your online account under the offers tab , or they can come thru email and snail mail

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Ah okay I will make sure to keep an eye out in the future!

[Anonymous]

P.S.

Truth be told, I think the auto approval is probably tougher than getting an initial CC approval with Navy, if she apps any card but the Plat I'd be shocked and eat my hat if she weren't approved Navy loves approving new members and if she were approved for an auto loan which goes through manual UW where as the 1st CC app goes through the weak automated system she's cake

Best of luck

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Car loans do not always go through manual UW even for first time members, many times its an instant decisions. Why is the Plat not included it has the same UW requirements as other cards exculting Flagship...