Navy Federal Pull For Membership

[Rebuild2019]

Thank you @Traveler101 ...that answered the other part of my question. Now I just need to give them a call. I appreciate your answer.

[Brian_Earl_Spilner]

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@Rebuild2019 wrote:
I want to open a savings. I really don’t need another checking. @Brian_Earl_Spilner did you get a CC when you joined or just the membership?

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I got my cash rewards 15 minutes after opening my account so it was a double pull. One for membership and one for the card.

[Rebuild2019]

Thank you @Brian_Earl_Spilner

[Traveler101]

I think I would call them and question the double pull. The csr made it perfectly clear on the phone, to join like I did and open a savings was no hp. I did get a hp when applied for cc 3 months later.

[Rebuild2019]

Thank you @Traveler101

[Girlzilla88]

@Rebuild he isn't deceased so this won't work for me       But thank you for letting me know       I will just ask and hopefully he doesn't take it the wrong way XD

[Brian_Earl_Spilner]

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@Traveler101 wrote:
I think I would call them and question the double pull. The csr made it perfectly clear on the phone, to join like I did and open a savings was no hp. I did get a hp when applied for cc 3 months later.

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While it's commonly thought to be soft pull, they will hard pull occasionally. In credit, one should always assume a HP and be happy if it's SP. You don't know if the csr is up to date on procedures or just didn't know what they're talking about. They also didn't use the same pull for cloc and auto like everyone said they would. It was a double pull for that as well.

[Rebuild2019]

@Brian_Earl_Spilner thank you. This gives me an idea of what I should be prepared for in applying for membership. I hopefully can get my foot in the door.

Thanks everyone for all your input. I didn’t want to call thinking one thing and be caught off guard. This is a big help to me.

[Traveler101]

Rebuild, if you have 10 min, give navy a call. They are super to deal with. when I opened my savings about 4.5 months ago, I funded the savings using my cap1 quick silver for 5.00. Dont beat yourself up over it. Its a fast simple and easy process. The reps are nice. They will tell you any apps for cc, cloc, or any credit related product is a hp, to join sp. Ask em. I just had a coworker join and while hes not on this forum, hes thrilled with a 20k line he apped for. Of course, that was a hp. He was convinced and waited months to get the nerve to apply. Let us know how it goes. But do, stop worrying, and call em.

[Rebuild2019]

@Traveler101 you were correct. I am not a NFCU member!!! Took about 20 minutes. The rep was great. I opened a savings. So no hard pull was done and yes I am very happy. My dad would be happy to know I had benefited from his service.

Thanks guys!!
😀