topic Re: NASA FCU in Credit Card Applications

NASA FCU

SpecFile — Sat, 06 Dec 2014 15:54:41 GMT

Applied for membership with NASA FCU this morning and account was approved online within 10 minutes. Immediately app'd for the Cash Rewards CC and was instantly declined.

History:

CC Util = Less than 1%

BK 2009 5+ years old

Perfect History since BK

Discover CL $1,500 Balance $50

Barclaycard Arrival + World Elite CL $6,500 Balance $8

Capital One Platinum CL $5,000 Balance $0

Hope this helps some folks with their decision to app or not.

Re: NASA FCU

Anonymous — Sat, 06 Dec 2014 16:05:30 GMT

@SpecFile wrote:
Applied for membership with NASA FCU this morning and account was approved online within 10 minutes. Immediately app'd for the Cash Rewards CC and was instantly declined.

History:

CC Util = Less than 1%
BK 2009 5+ years old
Perfect History since BK
Discover CL $1,500 Balance $50
Barclaycard Arrival + World Elite CL $6,500 Balance $8
Capital One Platinum CL $5,000 Balance $0

Hope this helps some folks with their decision to app or not.

Sorry to hear about your decline, I was as well. The one thing missing from your info is your score(s).

Re: NASA FCU

SpecFile — Sat, 06 Dec 2014 17:13:46 GMT

You are correct!! Fico: EX 646 TU 700 EQ 701

Re: NASA FCU

Anonymous — Sat, 06 Dec 2014 17:16:18 GMT

@SpecFile wrote:
You are correct!! Fico: EX 646 TU 700 EQ 701

What did they give as reasons? They have clamped down quite a bit since the initial rush

Re: NASA FCU

SpecFile — Sat, 06 Dec 2014 17:48:16 GMT

@Anonymous wrote:
@SpecFile wrote:
You are correct!! Fico: EX 646 TU 700 EQ 701
What did they give as reasons? They have clamped down quite a bit since the initial rush

Didn't get one. The message read that I would receive notice in the mail regarding my application being declined.

Re: NASA FCU

pizza1 — Sat, 06 Dec 2014 18:03:06 GMT

They are an EXP puller, and it may have been the score. But regardless, I applied for membership a few months back hoping to eventually get a card with them, as I heard thru the forum several months back that they were BK friendly with decent limits.

Turns out lately that they are becoming very restrictive, and denying everyone so far with a BK no matter how far out they are. I applied with them back in early Septmeber, and denied for their CC, and only reason was bk, I was also only 1 yr out. I'm thinking I may have jumped the gun on their membership, and don't feel that in 2-4 yrs they will give me a cc. I may close membership. I think at this point I have a better chance of getting DCU and Discover rather than NASA.

Re: NASA FCU

SpecFile — Sat, 06 Dec 2014 18:13:36 GMT

@pizza1 wrote:
They are an EXP puller, and it may have been the score. But regardless, I applied for membership a few months back hoping to eventually get a card with them, as I heard thru the forum several months back that they were BK friendly with decent limits.

Turns out lately that they are becoming very restrictive, and denying everyone so far with a BK no matter how far out they are. I applied with them back in early Septmeber, and denied for their CC, and only reason was bk, I was also only 1 yr out. I'm thinking I may have jumped the gun on their membership, and don't feel that in 2-4 yrs they will give me a cc. I may close membership. I think at this point I have a better chance of getting DCU and Discover rather than NASA.

I was thinking of closing my account as well. Does anyone have any experience with NASA offering them a cc down the road after being declined?

Re: NASA FCU

Anonymous — Sat, 06 Dec 2014 18:17:38 GMT

@SpecFile wrote:
@Anonymous wrote:
@SpecFile wrote:
You are correct!! Fico: EX 646 TU 700 EQ 701
What did they give as reasons? They have clamped down quite a bit since the initial rush
Didn't get one. The message read that I would receive notice in the mail regarding my application being declined.

If you click further on the message there is like an index card showing info about your application including reasons for denial.

Re: NASA FCU

FinStar — Sat, 06 Dec 2014 22:25:26 GMT

@Anonymous wrote:
@SpecFile wrote:
@Anonymous wrote:
@SpecFile wrote:
You are correct!! Fico: EX 646 TU 700 EQ 701
What did they give as reasons? They have clamped down quite a bit since the initial rush
Didn't get one. The message read that I would receive notice in the mail regarding my application being declined.
If you click further on the message there is like an index card showing info about your application including reasons for denial.

Otherwise, the letter will provide you with those reasons.

Re: NASA FCU

Anonymous — Sun, 07 Dec 2014 04:03:33 GMT

NASA became funny real quick apparently. I called them everyday for a week because when I uploaded docs they would not get back to me. I finally became a member. I signed my mother up and they came back and denied her membership. My credit score is higher than hers but she's got a lifetime of credit and never misses payments on anything. I would have thought she would be an instant approval for membership. Oh well, she's a veteran, there's always NFCU and USAA for her.

Re: NASA FCU

Anonymous — Sun, 07 Dec 2014 04:08:05 GMT

@Anonymous wrote:
NASA became funny real quick apparently. I called them everyday for a week because when I uploaded docs they would not get back to me. I finally became a member. I signed my mother up and they came back and denied her membership. My credit score is higher than hers but she's got a lifetime of credit and never misses payments on anything. I would have thought she would be an instant approval for membership. Oh well, she's a veteran, there's always NFCU and USAA for her.

Yeah, I think they got overwhelmed with the big rush and cracked down. I was instantly approved for membership and then declined for a card. Waited a month and my scores all rose about 85 points and tried again. Of course they used the initial report they pulled instead of pulling an updated one and denied me again. Oh well.

Re: NASA FCU

SpecFile — Sun, 07 Dec 2014 14:31:12 GMT

Thank goodness it was only two softs for membership and cc apps.