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NFCU - Same HP for 30 Days for All Products?

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pattycake
Established Contributor

NFCU - Same HP for 30 Days for All Products?

Greetings, all, I was approved in May for a $15K cash rewards card at NFCU, been a member for more than a year.

 

I saw in an earlier thread that others have also started seeing offers in their membership tab that are tailored specifically to them, and I've been seeing the CLOC in "my offers" as well. 

 

Do they use the same HP as they did for the credit card since it's been less than 30 days? If not, I am going to pass. 

 

Input? 

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Message 1 of 8
7 REPLIES 7
CreditCuriosity
Moderator Emeritus

Re: NFCU - Same HP for 30 Days for All Products?

Heck no anything you ask for from NFCU is a HP other than an occasional SP CLI on CC if you are eligible and time it correctly.  Once again anything you apply for even if it same day is a HP.  Be warned they are HP happy, but very generous Smiley Happy

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 22.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 15.5k | SECU 20k | Discover 20k | William Sonoma Visa 35k | Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | TD Cash 6k | Truist Cash 10k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | BMO Harris Cash 18.5k | Barclay's Red AA 22k | MFCU 20k | Amex Business Cash 25k | Amex Business Prime 20k | Amex Delta Business Platinum 10k | Amex Business Lowes 10k | AMEX BBP 15k
Message 2 of 8
pattycake
Established Contributor

Re: NFCU - Same HP for 30 Days for All Products?

Worth it or not? For the CLOC? 

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Message 3 of 8
CreditCuriosity
Moderator Emeritus

Re: NFCU - Same HP for 30 Days for All Products?


@pattycake wrote:

Worth it or not? For the CLOC? 


Up to you... I have had the CLOC for 3-4 years now never used it, but building history during that time.  Really depends on what your goal is?  I never used it for util. padding as always had plenty of credit i suppose i got it just cause I could and better to have credit when not needed then not to have it when possibly needed is my theory.  They would pull EQ for a cloc btw.

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 22.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 15.5k | SECU 20k | Discover 20k | William Sonoma Visa 35k | Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | TD Cash 6k | Truist Cash 10k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | BMO Harris Cash 18.5k | Barclay's Red AA 22k | MFCU 20k | Amex Business Cash 25k | Amex Business Prime 20k | Amex Delta Business Platinum 10k | Amex Business Lowes 10k | AMEX BBP 15k
Message 4 of 8
Shaw83
Regular Contributor

Re: NFCU - Same HP for 30 Days for All Products?

I just talked to a CSR at NFCU yesterday and she informed me that there's a HP when apping cards
 








current scores








Gardening since 2/12/21
Cap1 Qs $500
Citi secured-$300
Gettington-$800
Nfcu cash rewards $7000
NFCU nreward sec-$300
ch7 discharge 2013
Message 5 of 8
CreditInspired
Community Leader
Super Contributor

Re: NFCU - Same HP for 30 Days for All Products?


@CreditCuriosity wrote:

@pattycake wrote:

Worth it or not? For the CLOC? 


Up to you... I have had the CLOC for 3-4 years now never used it, but building history during that time.  Really depends on what your goal is?  I never used it for util. padding as always had plenty of credit i suppose i got it just cause I could and better to have credit when not needed then not to have it when possibly needed is my theory.  They would pull EQ for a cloc btw.


+1

This is the exact reason I have mine--for UT padding. I have not yet used it either, but good to know it's there when/if the need arises.

 

So OP, it's definitely up to you whether it's worth it or not.


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 6 of 8
pattycake
Established Contributor

Re: NFCU - Same HP for 30 Days for All Products?

Well, I app’d and was declined for $5500. Not sure about asking for a recon at a smaller amount, such as $2000. I don’t want another HP. 

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Message 7 of 8
FinStar
Moderator Emeritus

Re: NFCU - Same HP for 30 Days for All Products?

You can send them a SM to see whether they can reconsider, but in all likelyhood they may HP again so YEMV.
Message 8 of 8
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