topic Re: Nasa in Credit Card Applications

Nasa

Shawndoe79 — Wed, 21 Sep 2016 20:47:49 GMT

Nasa Experian Fico just hit 700, are they BK firendly, if so how far out before apping?

Re: Nasa

FicoScore626 — Thu, 22 Sep 2016 21:29:57 GMT

No idea if they're BK friendly, but, years ago I applied and was approved for an account and a credit card when my scores were in the mid 600s.

Re: Nasa

Anonymous — Thu, 22 Sep 2016 21:40:37 GMT

IMO they are neither BK nor inq friendly. I have a BK DC in 12/15 and have 25K in PenFed credit already but zero w NASA after two attempts.

Re: Nasa

FicoScore626 — Thu, 22 Sep 2016 21:56:08 GMT

I don't think NASA would be a great loss. Back when I used to have an account and a credit card through them, it didn't feel like anything special. I didn't really like banking with them and the credit card was their most basic card.

Re: Nasa

Shawndoe79 — Fri, 23 Sep 2016 04:11:34 GMT

@FicoScore626 wrote:
I don't think NASA would be a great loss. Back when I used to have an account and a credit card through them, it didn't feel like anything special. I didn't really like banking with them and the credit card was their most basic card.

Oh i see, I only log in monthly to view my free Fico 2 score from Experian. I never here much about them on the forum. Navy Fed and PenFed get most of the love here.

Re: Nasa

Shawndoe79 — Fri, 23 Sep 2016 04:13:08 GMT

@Anonymous wrote:
IMO they are neither BK nor inq friendly. I have a BK DC in 12/15 and have 25K in PenFed credit already but zero w NASA after two attempts.

Wonder is i should app PenFed and see if I could get some of that love, my BK DC was 1/15

Re: Nasa

Anonymous — Fri, 23 Sep 2016 12:05:14 GMT

Yes. But try to manipulate your EQ score to closer to 700 before you have them pull. Good luck. They're great.

Re: Nasa

skigirl916 — Fri, 23 Sep 2016 18:48:43 GMT

NASA was one of my first high limit cards... I was stuck with $1K limits, tons of inquiries, around 650, and was approved for $15K.

So, don't buy in to the "must be close to 700 with few INQ" nonsense, it's just not true.

Re: Nasa

Shawndoe79 — Fri, 23 Sep 2016 23:54:33 GMT

@skigirl916 wrote:
NASA was one of my first high limit cards... I was stuck with $1K limits, tons of inquiries, around 650, and was approved for $15K.

So, don't buy in to the "must be close to 700 with few INQ" nonsense, it's just not true.

wow, 15k, thats amazing!

Re: Nasa

Shawndoe79 — Fri, 23 Sep 2016 23:55:10 GMT

@Anonymous wrote:
Yes. But try to manipulate your EQ score to closer to 700 before you have them pull. Good luck. They're great.

ok thanks

Re: Nasa

Appleman — Sat, 24 Sep 2016 14:09:31 GMT

I would respectfully disagree with Skigirl. I have found them to be Inquiry Sensitive, New Account Sensitive, Too much available credit Sensitive.

So far I have a savings with them. Scores at times of application(s) for credit cards: 738-752 (The scores provided on their site) My FICO 08s have been 720-800 during the same time period.

Some people have had good luck NASA, however, I am not one of them. Also, there are cases where people have also had pretty severe CLDs happen.

IMO better places to look than NASA

Re: Nasa

Billybob_TX — Sat, 24 Sep 2016 20:14:15 GMT

@Appleman wrote:
I would respectfully disagree with Skigirl. I have found them to be Inquiry Sensitive, New Account Sensitive, Too much available credit Sensitive.
So far I have a savings with them. Scores at times of application(s) for credit cards: 738-752 (The scores provided on their site) My FICO 08s have been 720-800 during the same time period.

Some people have had good luck NASA, however, I am not one of them. Also, there are cases where people have also had pretty severe CLDs happen.

IMO better places to look than NASA

Agree with this. They are VERY skittish with any negatives on file. I got a card during the soft-pull deal a couple of years ago, but have not been impressed.

Their website is way user-unfriendly, points/rewards are pffft, so I just use the card for a tank of gas every few months.

Re: Nasa

Anonymous — Sat, 24 Sep 2016 20:27:51 GMT

I must be one of the lucky ones. I have had my account for about a year and have been very happy with them. I also have a savings account there.

Re: Nasa

12njoy — Sat, 24 Sep 2016 20:39:06 GMT

@Appleman wrote:
I would respectfully disagree with Skigirl. I have found them to be Inquiry Sensitive, New Account Sensitive, Too much available credit Sensitive.
So far I have a savings with them. Scores at times of application(s) for credit cards: 738-752 (The scores provided on their site) My FICO 08s have been 720-800 during the same time period.

Some people have had good luck NASA, however, I am not one of them. Also, there are cases where people have also had pretty severe CLDs happen.

IMO better places to look than NASA

IF there was such a thing as "one million percent" I would use that to agree with this post. Since there's not, I agree 100%

Re: Nasa

CreditCuriosity — Sat, 24 Sep 2016 20:49:27 GMT

Keep in mind NASA has changed alot in the last 6 months from their very lose UW standards when the craze was around a year and a half ago. They still work for some, but harder to get into now and obviously have shut alot of peoples accounts down as well in the last several months. It could be as simple as people not using the cards much if at all and getting alot of new credit, not sure.. They are deffinetly harder to get in than they were prior to sub-par scores this is for sure.

Re: Nasa

baller4life — Sat, 24 Sep 2016 21:54:18 GMT

NASA sucks! That is all.......😩

Re: Nasa

Shawndoe79 — Sat, 24 Sep 2016 22:59:26 GMT

Well ill keep them around for the free fico score

Re: Nasa

baller4life — Sat, 24 Sep 2016 23:38:21 GMT

And that's exactly why I keep them around......for now.

Re: Nasa

Scupra — Mon, 26 Sep 2016 18:30:16 GMT

NASA requires you to be 2 years post d/c with rebuild history to look at.

Re: Nasa

Shawndoe79 — Tue, 27 Sep 2016 03:11:36 GMT

@Scupra wrote:
NASA requires you to be 2 years post d/c with rebuild history to look at.

ok good to know, maybe ill try next spring