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Navy Federal Pull For Membership

Rebuild2019
Established Contributor

Re: Navy Federal Pull For Membership

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

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 11 of 21
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Navy Federal Pull For Membership


@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?

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.




Message 12 of 21
Rebuild2019
Established Contributor

Re: Navy Federal Pull For Membership

Thank you @Brian_Earl_Spilner

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 13 of 21
Traveler101
Frequent Contributor

Re: Navy Federal Pull For Membership

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.
Message 14 of 21
Rebuild2019
Established Contributor

Re: Navy Federal Pull For Membership

Thank you @Traveler101

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 15 of 21
Girlzilla88
Valued Contributor

Re: Navy Federal Pull For Membership

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










Message 16 of 21
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Navy Federal Pull For Membership


@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.

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.




Message 17 of 21
Rebuild2019
Established Contributor

Re: Navy Federal Pull For Membership

@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.

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 18 of 21
Traveler101
Frequent Contributor

Re: Navy Federal Pull For Membership

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.
Message 19 of 21
Rebuild2019
Established Contributor

Re: Navy Federal Pull For Membership

@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!!
😀

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 20 of 21
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