topic Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY in Credit Card Applications

NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Anonymous — Thu, 22 Jul 2021 14:18:51 GMT

Did the NASA pre qualify tool and it came back with good rates and SL. Applied and it went pending. Today received the denied

email. Pulled EX HP with current fico 8 of 712. Maybe the tool isnt real accurate or they are sensitvie to inquiries or new accounts?

Either way, hope this helps people considering this card

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Brian_Earl_Spilner — Thu, 22 Jul 2021 14:35:33 GMT

How many inquiries and new accounts do you have? How new are they?

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Anonymous — Thu, 22 Jul 2021 14:51:22 GMT

Had 5 total inquiries and 4 new accounts in 24 months and 3/12.

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

coldfusion — Thu, 22 Jul 2021 15:46:12 GMT

What is the approximate aggregate CL across all of your open cards?

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

ChargedUp — Thu, 22 Jul 2021 17:10:22 GMT

@coldfusion wrote:
What is the approximate aggregate CL across all of your open cards?

I don't think they're too sensitive to aggregate CL's as I had over $250K when I apped and they gave me $20K.

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Mad12345 — Thu, 22 Jul 2021 17:30:48 GMT

They denied me also after a prequal. The used my experian mortgage score which is 675. I was under the impression that they used the Fico 8 score (my Fico 8 is 737).

@Anonymous wrote:
Did the NASA pre qualify tool and it came back with good rates and SL. Applied and it went pending. Today received the denied
email. Pulled EX HP with current fico 8 of 712. Maybe the tool isnt real accurate or they are sensitvie to inquiries or new accounts?
Either way, hope this helps people considering this card

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Anonymous — Fri, 23 Jul 2021 17:07:16 GMT

The same thing happened to me. I tried the prequal, was approved for $15k at a higher APR. I apped and it said to wait 2-3 business days for decision, next day they denied the application. I called to see why and they said due to COs or judgments, however I don't have any judgements, only a couple-paid COs that will fall off soon. The prequal is clearly not effective. Apply at your own risk.

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Metalcards — Sat, 24 Jul 2021 23:53:53 GMT

Same here. Prequalified for 12K and when I applied I was immediately denied. They didn't even think about it

Too many inq, too many new accounts which is fine. I don't have a problem with that. I just didn't want to burn a hard pull for a denial but would burn one for a line of credit.

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Cory88 — Tue, 27 Jul 2021 14:25:43 GMT

A friend applied for a CC and it was approved and at the last minute they denied the app and he asked why and they would not tell him, turns out they took a app and it as for the wrong product anyway and when he asked they told is "o well, nothing we can do." Applyer beware!

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

coldfusion — Thu, 29 Jul 2021 07:16:43 GMT

@ChargedUp wrote:
@coldfusion wrote:
What is the approximate aggregate CL across all of your open cards?
I don't think they're too sensitive to aggregate CL's as I had over $250K when I apped and they gave me $20K.

They have a history of denials citing that exact reason.

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Anonymous — Thu, 29 Jul 2021 09:20:41 GMT

I am sorry that this happened to you.

Dont let it get to you.

Banks do not always get it right and this is proof of that.

Thanks

Mark

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

ChargedUp — Fri, 30 Jul 2021 19:08:20 GMT

@coldfusion wrote:
@ChargedUp wrote:
@coldfusion wrote:
What is the approximate aggregate CL across all of your open cards?
I don't think they're too sensitive to aggregate CL's as I had over $250K when I apped and they gave me $20K.
They have a history of denials citing that exact reason.

Well gee! If I'd known that... 🤔🧐😏

Somehow I slipped through then.

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Anonymous — Thu, 05 Aug 2021 12:45:48 GMT

@Cory88 wrote:
A friend applied for a CC and it was approved and at the last minute they denied the app and he asked why and they would not tell him, turns out they took a app and it as for the wrong product anyway and when he asked they told is "o well, nothing we can do." Applyer beware!

Well, that doesn't sound like any institution I want to do business with...you were basically told "oh well, deal with it" I'm getting that HP removed! Not going to waste one on them!

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

coldfusion — Thu, 05 Aug 2021 16:52:39 GMT

@Anonymous wrote:
@Cory88 wrote:
A friend applied for a CC and it was approved and at the last minute they denied the app and he asked why and they would not tell him, turns out they took a app and it as for the wrong product anyway and when he asked they told is "o well, nothing we can do." Applyer beware!
Well, that doesn't sound like any institution I want to do business with...you were basically told "oh well, deal with it" I'm getting that HP removed! Not going to waste one on them!

Not liking the outcome when you legitimately applied for a card is not considered sufficient justification to get a related hard pull withdrawn and related disputes are treated as frivolous.

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

FalconSteve — Thu, 05 Aug 2021 22:05:28 GMT

Sorry for the bad news

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Metalcards — Sun, 08 Aug 2021 21:40:36 GMT

I just did prequalify again and I was prequalified for $30,000@14%. Now I'm afraid to finish applying and get denied again!

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

cashorcharge — Sun, 08 Aug 2021 23:44:36 GMT

🎲🎲🎲🎲🎲

Re: NASA FEDERAL CU DENIED AFTER PRE QUALIFY

Anonymalous — Tue, 09 Nov 2021 05:48:28 GMT

"We're unable to find offers based on the information provided. If you would like to provide additional details and submit an application we can review your request."

810 Experian FICO 3, 0 hard pulls, 0 derogs, 1% util, DTI low 20s. They might not like my super thin file (if you strip out my AU card, I only have 1 card with 6 months of history).