Apply for membership first and the CC right afterwards. For most people in this thread, it resulted in 2 soft pulls: https://creditboards.com/forums/index.php?showtopic=534206
PenFed also gives quarterly soft pull pre approvals that do not result in a HP if accepted. It's an EQ HP to join though, but you can also use that same HP for any applications for 90 days.
MOST cards that you can get with a SP are complete garbage and a waste of time, unless your goal is to get a pile of $250 credit limit store cards.
Thanks for this useful information!
1. In order to apply for Nasa FCU I need to be affiliated with the army in some way, I don't have any family members that retired the army, the only relation may be that my grandparents are holocaust survivors (does it help?), how can I join this (or any) union?
2. I tried applying 3-4 years ago for USAA I was blacklisted because I couldn't prove to them that I was in the army. Later came to my attention that I could have said I'm not in the army and I would've gotten their membership anyway, so now because I'm blacklisted by them am I blacklisted by any other "army" lenders?
3. You mentioned PenFed approves more then card with 1 HP within a 90 period. Is this only applicable for Credit Unions or.. In other words, which CC Provider uses the 1 HP for a 90 day period?
P.S. I did start reading C.B. thank you!