topic Re: NASA FCU Credit Card app DENIED. in Credit Card Applications

NASA FCU Credit Card app DENIED.

buttercup415 — Sat, 15 Nov 2014 18:42:33 GMT

I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.

I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.

Re: NASA FCU Credit Card app DENIED.

ojefferyo — Sat, 15 Nov 2014 18:45:53 GMT

what was your score when they pulled it?

Re: NASA FCU Credit Card app DENIED.

chalupaman — Sat, 15 Nov 2014 18:45:59 GMT

Perhaps NASA FCU has tightened up their lending and UW standards after they got swamped with applications not too long ago. Sorry to hear that.

Re: NASA FCU Credit Card app DENIED.

buttercup415 — Sat, 15 Nov 2014 18:47:23 GMT

My score was 637

Re: NASA FCU Credit Card app DENIED.

buttercup415 — Sat, 15 Nov 2014 18:48:16 GMT

Thanks Popamode, I was wondering the same thing.

@chalupaman wrote:
Perhaps NASA FCU has tightened up their lending and UW standards after they got swamped with applications not too long ago. Sorry to hear that.

Re: NASA FCU Credit Card app DENIED.

Anonymous — Sat, 15 Nov 2014 19:05:47 GMT

@buttercup415 wrote:
Thanks Popamode, I was wondering the same thing.
@chalupaman wrote:
Perhaps NASA FCU has tightened up their lending and UW standards after they got swamped with applications not too long ago. Sorry to hear that.

well.. 637 mixed with a lot of new inqs and some lates honestly doesnt sound like an approval to me either.. as with most situations.. YMMV.. in this case, it did.. Garden.. let the inqs age.. maybe try and GW some of the lates? And reappy again when your overall report and scores are better!

Re: NASA FCU Credit Card app DENIED.

Anonymous — Sat, 15 Nov 2014 19:06:35 GMT

I was denied as well. Oh well

Re: NASA FCU Credit Card app DENIED.

buttercup415 — Sat, 15 Nov 2014 19:58:57 GMT

Thanks for the feedback!

Re: NASA FCU Credit Card app DENIED.

Anonymous — Sat, 15 Nov 2014 21:27:36 GMT

@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.

My daughter was denied as well. I was told on another board that they believe the NASA ship has sailed!

Re: NASA FCU Credit Card app DENIED.

Anonymous — Sat, 15 Nov 2014 21:43:57 GMT

@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.

I don't know why OP is complaining.I had a 750 FICO when I applied with NASA FCU with less than 10% utilization and absolutely no baddies at all. My inquries were a bit high (maybe 10 on each CR), but they weren't clustered, but spread out with a third of them in the past 6 months. DENIED! Reason given? Lack of satisfactory accounts/age of accounts. I guess my 2 23+ yr old AMEX's, 10 other accounts greater than 1 year, and 25 accounts all paid as agreed isn't enough experience. I did apply at the same time as someone on here with a 2 yr old bankruptcy who got 30k from them. Perhaps a bankruptcy would have given me the right kind of experience NASA was looking for. Whatever NASA...

Re: NASA FCU Credit Card app DENIED.

Anonymous — Sat, 15 Nov 2014 21:49:21 GMT

@Anonymous wrote:
@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.
My daughter was denied as well. I was told on another board that they believe the NASA ship has sailed!

I was intrigued by the SP so I tried today and also got denied. I read the same thing on a couple other message boards. Sounds like they're tightening up and for those that do get approved, they're become much more stingy about the limits.

Re: NASA FCU Credit Card app DENIED.

joedtx — Sat, 15 Nov 2014 23:10:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.
My daughter was denied as well. I was told on another board that they believe the NASA ship has sailed!
I was intrigued by the SP so I tried today and also got denied. I read the same thing on a couple other message boards. Sounds like they're tightening up and for those that do get approved, they're become much more stingy about the limits.

The most recent approvals i've seen are in the low 700's, i'm inclined to believe as others have stated they have raised the requirements.

Re: NASA FCU Credit Card app DENIED.

NYCguy37 — Sun, 16 Nov 2014 03:28:44 GMT

@joedtx wrote:
@Anonymous wrote:
@Anonymous wrote:
@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.
My daughter was denied as well. I was told on another board that they believe the NASA ship has sailed!
I was intrigued by the SP so I tried today and also got denied. I read the same thing on a couple other message boards. Sounds like they're tightening up and for those that do get approved, they're become much more stingy about the limits.
The most recent approvals i've seen are in the low 700's, i'm inclined to believe as others have stated they have raised the requirements.

I also recently applied and was only offered a $5,000 CL. Lower than most of my other cards, so I figured they were tightening the limits given to new members.

Re: NASA FCU Credit Card app DENIED.

joedtx — Sun, 16 Nov 2014 03:32:48 GMT

@NYCguy37 wrote:
@joedtx wrote:
@Anonymous wrote:
@Anonymous wrote:
@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.
My daughter was denied as well. I was told on another board that they believe the NASA ship has sailed!
I was intrigued by the SP so I tried today and also got denied. I read the same thing on a couple other message boards. Sounds like they're tightening up and for those that do get approved, they're become much more stingy about the limits.
The most recent approvals i've seen are in the low 700's, i'm inclined to believe as others have stated they have raised the requirements.
I also recently applied and was only offered a $5,000 CL. Lower than most of my other cards, so I figured they were tightening the limits given to new members.

Was your score in that 700 range as well?

Re: NASA FCU Credit Card app DENIED.

NYCguy37 — Sun, 16 Nov 2014 03:36:13 GMT

@joedtx wrote:
@NYCguy37 wrote:
@joedtx wrote:
@Anonymous wrote:
@Anonymous wrote:
@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.
My daughter was denied as well. I was told on another board that they believe the NASA ship has sailed!
I was intrigued by the SP so I tried today and also got denied. I read the same thing on a couple other message boards. Sounds like they're tightening up and for those that do get approved, they're become much more stingy about the limits.
The most recent approvals i've seen are in the low 700's, i'm inclined to believe as others have stated they have raised the requirements.
I also recently applied and was only offered a $5,000 CL. Lower than most of my other cards, so I figured they were tightening the limits given to new members.
Was your score in that 700 range as well?

Yes, 725 range.

Re: NASA FCU Credit Card app DENIED.

joedtx — Sun, 16 Nov 2014 03:42:47 GMT

@NYCguy37 wrote:
@joedtx wrote:
@NYCguy37 wrote:
@joedtx wrote:
@Anonymous wrote:
@Anonymous wrote:
@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.
My daughter was denied as well. I was told on another board that they believe the NASA ship has sailed!
I was intrigued by the SP so I tried today and also got denied. I read the same thing on a couple other message boards. Sounds like they're tightening up and for those that do get approved, they're become much more stingy about the limits.
The most recent approvals i've seen are in the low 700's, i'm inclined to believe as others have stated they have raised the requirements.
I also recently applied and was only offered a $5,000 CL. Lower than most of my other cards, so I figured they were tightening the limits given to new members.
Was your score in that 700 range as well?
Yes, 725 range.

Wow..... if we would turn back the calendar 30 days you'd probably would have locked down 30k to 40k instantly glad you got in they are still a prime credit union hopefully they'll reward you with a good CLI.

Re: NASA FCU Credit Card app DENIED.

NYCguy37 — Sun, 16 Nov 2014 03:50:17 GMT

@joedtx wrote:
@NYCguy37 wrote:
@joedtx wrote:
@NYCguy37 wrote:
@joedtx wrote:
@Anonymous wrote:
@Anonymous wrote:
@buttercup415 wrote:
I'm so confused. I've read nothing but happy, joyous Approval Success stories about NASA.

I applied for their account, they needed documentation, sent it in everytime they needed something.

After I was approved for the bank account, I applied for their Credit Card and after a few days of waiting it was DENIED.

My credit isn't perfect, I do have a cluster of recent inquiries from (mostly) successful CC apps (Kohls, Walmart, Vic Secret, Capital One etc). Those CC's have actually improved my score by 50 points at least since joining this forum!

I do have some student loans that had missed payments, I am in the middle of consolidating them.

It seems like other applicants on this board had their own credit issues were approved anyways, I'm just stumped why I was declined.
I haven't heard of any other declined NASA stories on here. Maybe one reason is the auto correct when doing a search in the forum, it kept turning "NASA" into "Name". Sigh.
My daughter was denied as well. I was told on another board that they believe the NASA ship has sailed!
I was intrigued by the SP so I tried today and also got denied. I read the same thing on a couple other message boards. Sounds like they're tightening up and for those that do get approved, they're become much more stingy about the limits.
The most recent approvals i've seen are in the low 700's, i'm inclined to believe as others have stated they have raised the requirements.
I also recently applied and was only offered a $5,000 CL. Lower than most of my other cards, so I figured they were tightening the limits given to new members.
Was your score in that 700 range as well?
Yes, 725 range.
Wow..... if we would turn back the calendar 30 days you'd probably would have locked down 30k to 40k instantly glad you got in they are still a prime credit union hopefully they'll reward you with a good CLI.

Ya.... I pulled the trigger a bit late. A true YMMV situation.

Re: NASA FCU Credit Card app DENIED.

Anonymous — Sun, 16 Nov 2014 05:02:43 GMT

They are not totally gunshy. I applied at the end of Oct and got a $30K CL. They sent me a score letter for some reason (I got the lowest APR so don't know why) showing something like 760 on their scale (in the top 30% it also said). My 08 FICOs are all 840+ though, so not a clear mapping between the scores here and what they use.

Re: NASA FCU Credit Card app DENIED.

Anonymous — Mon, 17 Nov 2014 03:22:52 GMT

Yeah, I feel a bit better now that I only got a $2K limit. My score is also around 700.

Does anyone know if they do a SP for CLI?