NASAs denial letter

[Imhotrodcrazy]

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@VinnyofLegend wrote:

@@Imhotrodcrazy, sorry for OT, but why is your Cash+ SD? Is there another thread on that?

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Very simple.  US Bank member services lied to me on more than one occasion,  so I quit using their Cash+ and LOC cards.  I don't  need  the credit lines.

[Imhotrodcrazy]

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@VinnyofLegend wrote:

@@Imhotrodcrazy, sorry for OT, but why is your Cash+ SD? Is there another thread on that?

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Very simple,  US Bank member services lied to me on more than one occasion,  therefore I don't use their Cash+ or LOC cards.  I don't need the credit lines.

[JLK93]

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@lhcole77 wrote:
Or one can see it from the other perspective: managing high credit lines, with good scores, low UTL, spotless reports and 100% on time payments will show lenders how frickin good we are when given credit.

Thanks for posting this, OP. Sorry about the denial. But congrats again on the card. Maybe 6 months-1 year down the line if you still want PLOC you can go for it.

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+1

[Slim1Der]

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@AvadaKedavra wrote:

Perhaps UW critera for PLOC are more strict than CCs? 

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I belive this is the case. As I was approved for my CC's no problem and the PLOC was a counter, I asked for $25k and they countered for $5k. I didn't understand as my income was $14k/month. Oh well, I'm happy with both my CC's from them and my $5k PLOC. 

It is strange to see how some of their decisions seem to have no rhyme or reason on who they approve and what limits. I'm getting DW a membership this week and will see if they approve her and what limit. She's in the lower 600 range. 

[Anonymous]

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@AvadaKedavra wrote:

Perhaps UW critera for PLOC are more strict than CCs? 

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IME that is true. Not NASA related but in just one week,  I got denied for $3K unsecured personal loan (approved later in day with co-signer). Next I get approved for a Visa with $4k limit through a different bank. 

[joedtx]

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@Slim1Der wrote:

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@AvadaKedavra wrote:

Perhaps UW critera for PLOC are more strict than CCs? 

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I belive this is the case. As I was approved for my CC's no problem and the PLOC was a counter, I asked for $25k and they countered for $5k. I didn't understand as my income was $14k/month. Oh well, I'm happy with both my CC's from them and my $5k PLOC. 

It is strange to see how some of their decisions seem to have no rhyme or reason on who they approve and what limits. I'm getting DW a membership this week and will see if they approve her and what limit. She's in the lower 600 range. 

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I'm not sure about this....I do remember coming accross a post (I know there a like a million nasa posts)where the member stated they were denied for the card but approved for a ploc, but that was during the time when it seemed like nasa was tapping to brakes on cc approvals.

[Imperfectfuture]

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@Slim1Der wrote:

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@AvadaKedavra wrote:

Perhaps UW critera for PLOC are more strict than CCs? 

---

I belive this is the case. As I was approved for my CC's no problem and the PLOC was a counter, I asked for $25k and they countered for $5k. I didn't understand as my income was $14k/month. Oh well, I'm happy with both my CC's from them and my $5k PLOC. 

It is strange to see how some of their decisions seem to have no rhyme or reason on who they approve and what limits. I'm getting DW a membership this week and will see if they approve her and what limit. She's in the lower 600 range. 

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I would be interested as well.  I'm not done with my exclusions, deletions yet , not till end December.  But my scores should be mid, upper 600's, TU is already climbing to 700.  Like to know my chances with the less than 720 club.

[WuXing5]

apperently i could not keep my composure in this mass hysteria with crazy NASA, anyway they think i have way too much avaliable credit and new accounts,

in their own words

"Excessive Open Revolving Accounts and/or Borrowing Capacity. Excessive Recently Opened Trades. Excessive Revolving Credit"

[Anonymous]

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@WuXing5 wrote:

apperently i could not keep my composure in this mass hysteria with crazy NASA, anyway they think i have way too much avaliable credit and new accounts,

in their own words

"Excessive Open Revolving Accounts and/or Borrowing Capacity. Excessive Recently Opened Trades. Excessive Revolving Credit"

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well im 7 days now pending, i guess that means a denial letter as well. I havent heard or recieved anything yet. Speaking of ''way too much credit availe.'' The more credit you have available the less money banks (financial institutions) makes.