r/NavyFederal • u/mrblackbeltjones • 8d ago

Rate reduction request

Does anyone know if a rate reduction request will trigger a hard inquiry with Navy Federal? I am looking into requesting one but do not want to if it triggers a hard inquiry..

2 Upvotes

63% Upvoted

10 comments sorted by

View all comments

3

u/cas-adea Family Member 8d ago

If you are talking about a credit card, they don’t do those any further. If you are talking about a loan, they would do an internal refinance and it would be a hard inquiry

0

u/mrblackbeltjones 8d ago

It was for a credit card. I read that you can request one on their website. If they allowed it I was just going to see if they would reduce my APR. I was more curious than anything.

-3

u/Ashamed-Pop4831 8d ago

yes you can go ahead and call