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NFCU - Same HP for 30 Days for All Products?

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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
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Moderator

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

Message 2 of 8
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
Moderator

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.

Message 4 of 8
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 6/03/19
Cap1 Qs $400
Cap1 plat-$300 on steps
Citi secured-$300
Gettington-$500 about to be replaced by Amazon builder.
Message 5 of 8
Community Leader
Senior 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.

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 6 of 8
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
Moderator

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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