topic Re: NASA FCU Cash Rewards approval in Credit Card Applications

NASA FCU Cash Rewards approval rescinded based on POI

micvite — Wed, 21 Apr 2021 18:53:26 GMT

Just got approved for the nasa cash rewards, 8800 SL, not sure what to expect next, but I guess we'll see. This is my highest limit to date so I'm pretty excited (did the preapproval first and afterwards decided hey? why not!) The interest rate doesn't matter since I don't plan to ever carry a balance, just nice to add something a bit higher to my profile as I'm building my credit up (short history). Also recently got approved for an 8800 personal loan (will be paying off in 6 mo or so just to show some payment history) from ally that hadn't posted yet, nor did the CLI from citi

Scores are currently according to experian: 742 (22 inq) oldest acc 6y 3m, AAOA 2y 11m

Credit karma says:

TU is 706 (32 inq), Oldest acc 6y 2m, AAOA 2y, 4m, newest 6m

EQ is 718 (16 inq) oldest 6y 2m, AAOA 2y 6m, newest 6m

I have one 30 day late from 02/18 on all 3 beaureaus. Current SL are in my sig (citi DC just got bumped from 2500-4000)

Income After tax around 320k/year (not sure if they wanted gross or net for NASA app, so I just put net)

Re: NASA FCU Cash Rewards approval

AllZero — Wed, 21 Apr 2021 04:46:07 GMT

Congratulations on your approval!

Re: NASA FCU Cash Rewards approval

krisssmmm — Wed, 21 Apr 2021 04:49:13 GMT

Congrats! Were you already a member?

Re: NASA FCU Cash Rewards approval

CreditMagic7 — Wed, 21 Apr 2021 04:50:06 GMT

Congratulations on your NASA approval!

Re: NASA FCU Cash Rewards approval

M_Smart007 — Wed, 21 Apr 2021 04:50:37 GMT

Congratulations on your NASA approval!

I really like the picture on that card!

Re: NASA FCU Cash Rewards approval

micvite — Wed, 21 Apr 2021 04:55:20 GMT

@krisssmmm wrote:
Congrats! Were you already a member?

Nope! Just did the preapproval it said 8800 and I was like huh? Let's do it!

Also thank you to everyone for the congratulations! Any idea what to expect next?

Re: NASA FCU Cash Rewards approval

krisssmmm — Wed, 21 Apr 2021 05:18:40 GMT

Please keep us posted on your experience. The prequal #s are tempting, but I had an an annoying experience trying to create savings acct. This is still on my maybe list tho.

Re: NASA FCU Cash Rewards approval

micvite — Wed, 21 Apr 2021 05:20:34 GMT

@krisssmmm wrote:
Please keep us posted on your experience. The prequal #s are tempting, but I had an an annoying experience trying to create savings acct. This is still on my maybe list tho.

Alright! Hopefully it won't be an issue haha... I thought it would be sort of like what pen fed did, and I just have to transfer 5$ over.

Re: NASA FCU Cash Rewards approval

M_Smart007 — Wed, 21 Apr 2021 05:26:19 GMT

@krisssmmm wrote:
Please keep us posted on your experience. The prequal #s are tempting, but I had an an annoying experience trying to create savings acct. This is still on my maybe list tho.

@krisssmmm, I am with you on "annoying" pending savings account for 9 days! ..

not even a email from them, let alone a phone call. I am Probably going to just let this one slip off the cliff.

Sorry for the OT.

Re: NASA FCU Cash Rewards approval

micvite — Wed, 21 Apr 2021 05:27:31 GMT

@M_Smart007 wrote:
@krisssmmm wrote:
Please keep us posted on your experience. The prequal #s are tempting, but I had an an annoying experience trying to create savings acct. This is still on my maybe list tho.
@krisssmmm, I am with you on "annoying" pending savings account for 9 days! ..
not even a email from them, let alone a phone call. I am Probably gone just let this one slip off the cliff.

Sorry for the OT.

Wait a minute, run this by me please? So basically you applied and nothing happened after 9 days regarding your membership with them? Guess I'll give them a call tomorrow to check on mine... they said the next business day day get in contact with me.

Re: NASA FCU Cash Rewards approval

krisssmmm — Wed, 21 Apr 2021 05:32:46 GMT

Ugh, 9 days is unreal! Live chat with them, it took 5 days for them to tell me they needed a copy of my ss card and utility bill. I ended up telling them to cancel it. Good luck! Maybe just app for the card instead (if that was why you signed up).

Re: NASA FCU Cash Rewards approval

lhcole77 — Wed, 21 Apr 2021 18:54:08 GMT

@micvite NASA has known to be slow with some people, but I've never experienced it. They are not the largest CU, so that might be why.

Congrats on your card. I've been a member since 2014 and love them.

They offer convenience checks several times a year on the cards. The ones I just got in the mail are 12 months with 4.9% APR and 3% fee. Not the best rates, but definitely come in handy if/when you need them.

Welcome to the NASA family!

Re: NASA FCU Cash Rewards approval

micvite — Thu, 22 Apr 2021 05:35:26 GMT

@lhcole77 wrote:
@micvite NASA has known to be slow with some people, but I've never experienced it. They are not the largest CU, so that might be why.

Congrats on your card. I've been a member since 2014 and love them.

They offer convenience checks several times a year on the cards. The ones I just got in the mail are 12 months with 4.9% APR and 3% fee. Not the best rates, but definitely come in handy if/when you need them.

Welcome to the NASA family!

Good to know. Let's just see what happens I guess. I'm not worried about the checks or the apr on things anymore. I'm at a point in time where if the apr is bad i can just pay it off thankfully. The only thing I can think of for those checks would be to use as down payments since I'm terrible with actually saving up money haha... I spend almost every penny I get.

Re: NASA FCU Cash Rewards approval

Jnbmom — Wed, 21 Apr 2021 10:33:33 GMT

Congrats I believe they use EXP but it's not FICO 8, not sure which version though .

Re: NASA FCU Cash Rewards approval

coreyb80 — Wed, 21 Apr 2021 12:24:38 GMT

Congrats on the approval!

Re: NASA FCU Cash Rewards approval

rostrow416 — Wed, 21 Apr 2021 13:08:06 GMT

@Jnbmom wrote:
Congrats I believe they use EXP but it's not FICO 8, not sure which version though .

I think it's FICO 2

Re: NASA FCU Cash Rewards approval

4sallypat — Wed, 21 Apr 2021 13:20:18 GMT

Congrats and good data point!

I have had NASA savings account for a year and haven't been offered any invites.

Compared to PenFed where I am constantly bombarded...

Re: NASA FCU Cash Rewards approval

CreditAggie — Wed, 21 Apr 2021 14:21:51 GMT

Congratulations on your NASA FCU approval!

Re: NASA FCU Cash Rewards approval

gdale6 — Wed, 21 Apr 2021 15:03:53 GMT

Grats on your NASA approval

Re: NASA FCU Cash Rewards approval

micvite — Wed, 21 Apr 2021 16:29:31 GMT

@4sallypat wrote:
Congrats and good data point!

I have had NASA savings account for a year and haven't been offered any invites.

Compared to PenFed where I am constantly bombarded...

Well don't add to the data point just yet... I literally wrote on my app I had my job for 6 months and they want 2years tax returns to prove income so I told them to just cancel the app... wish I knew that before I took a hard pull for nothing... asked if they would take bank statements showing deposits in excess of 30k a month and they were like nope! So just FYI unless you're income has been whatever you claim it is on the app for the last 2 years apply at your own risk.