topic Re: NASA membership approved, Credit card denied.. Questions?? in Credit Card Applications

NASA membership approved, Credit card denied.. Questions??

Anonymous — Wed, 11 Mar 2015 15:02:09 GMT

Hey guys not sure who's good with NASA but I was finally approved membership after needed a picture of my SS Card which I had lost for years but went and got a replacement just for NASA. During that 2 weeks while I was waiting for membership I applied for the rewards CC and was denied.. No reasons yet.. But since now I'm a member should I try again or what?

Re: NASA membership approved, Credit card denied.. Questions??

Anonymous — Wed, 11 Mar 2015 15:04:44 GMT

@Anonymous wrote:
Hey guys not sure who's good with NASA but I was finally approved membership after needed a picture of my SS Card which I had lost for years but went and got a replacement just for NASA. During that 2 weeks while I was waiting for membership I applied for the rewards CC and was denied.. No reasons yet.. But since now I'm a member should I try again or what?

No point in applying again unless something changed in your credit reports for the better. Not going to change because you became a member.

Re: NASA membership approved, Credit card denied.. Questions??

Anonymous — Wed, 11 Mar 2015 15:43:54 GMT

Thanks Irish!!

So I'm guessing they aren't like NFCU and will start me out with a 500.00 limit to see how I do? I just sent a SM, guess I will see what they say...

Re: NASA membership approved, Credit card denied.. Questions??

joedtx — Wed, 11 Mar 2015 15:46:17 GMT

@Anonymous wrote:
Thanks Irish!!

So I'm guessing they aren't like NFCU and will start me out with a 500.00 limit to see how I do? I just sent a SM, guess I will see what they say...

Good Luck DodgeTech aka RamTech let's us know when you do have success

Re: NASA membership approved, Credit card denied.. Questions??

Anonymous — Wed, 11 Mar 2015 15:47:26 GMT

Thanks Joe..

Yeah been a Tech for 17 yrs...lol

I will keep yall posted on what NASA says.

Re: NASA membership approved, Credit card denied.. Questions??

Anonymous — Wed, 11 Mar 2015 15:48:00 GMT

@Anonymous wrote:
Thanks Irish!!

So I'm guessing they aren't like NFCU and will start me out with a 500.00 limit to see how I do? I just sent a SM, guess I will see what they say...

You're correct. They aren't as flexible as NFCU.

Re: NASA membership approved, Credit card denied.. Questions??

TRC_WA — Wed, 11 Mar 2015 19:24:15 GMT

@Anonymous wrote:
You're correct. They aren't as flexible as NFCU.

They aren't the only CU like that.

Here in WA I financed my $40k car through a local CU... and they used the same pull on my CC app and I was denied. I even requested a $500 limit just to get in the door with them and they still said no.

I guess they wanna see me make a few car payments first... LOL

Re: NASA membership approved, Credit card denied.. Questions??

Anonymous — Wed, 11 Mar 2015 20:55:20 GMT

Good luck

Re: NASA membership approved, Credit card denied.. Questions??

slund5499 — Sat, 14 Mar 2015 18:13:17 GMT

I have been waiting since 2/25 to get my membership application approved. I have contacted them over several weeks and submitted the dosuments requested, and all I hear from the CSR is that the application is still being reviewed.

Hell I have opened local credit union accounts in less than 1 day.

Re: NASA membership approved, Credit card denied.. Questions??

cem13 — Sat, 14 Mar 2015 21:24:01 GMT

I was instantly approved for membership then applied for the CC. It was a SP on EX. I was denied due to "Credit outside of Credit Union guidelines".

My EX was 703 and I have a BK7 4 years ago. My util is about 25%, AAoA is 9 years, no baddies since BK7, and only 4 reporting as IIB.

So good luck everyone who decides to apply.

Re: NASA membership approved, Credit card denied.. Questions??

joedtx — Sun, 15 Mar 2015 05:29:27 GMT

@cem13 wrote:
I was instantly approved for membership then applied for the CC. It was a SP on EX. I was denied due to "Credit outside of Credit Union guidelines".

My EX was 703 and I have a BK7 4 years ago. My util is about 25%, AAoA is 9 years, no baddies since BK7, and only 4 reporting as IIB.

So good luck everyone who decides to apply.

They NASA seems to really be inconsistent with approvals lately, their reasoning for denial is quite generic. I have heard of few ask for recon maybe you should consider it as well.

Re: NASA membership approved, Credit card denied.. Questions??

Anonymous — Sun, 15 Mar 2015 17:00:19 GMT

@cem13 wrote:
I was instantly approved for membership then applied for the CC. It was a SP on EX. I was denied due to "Credit outside of Credit Union guidelines".

My EX was 703 and I have a BK7 4 years ago. My util is about 25%, AAoA is 9 years, no baddies since BK7, and only 4 reporting as IIB.

So good luck everyone who decides to apply.

I also filed CH13 in 2009- Discharged(PAID)11/13. MY EX is 660 with 1 collection to fall off soon from 2009. I will try again when my EX score goes up and the collection falls off.. Maybe they don't like BK's

Re: NASA membership approved, Credit card denied.. Questions??

Anonymous — Sun, 15 Mar 2015 23:50:46 GMT

The NASA Shuttle (ship) has sailed.

Unless you're spotless, you'd probably have better chances getting a Duck.

Re: NASA membership approved, Credit card denied.. Questions??

racer-x — Mon, 16 Mar 2015 01:01:38 GMT

@Anonymous wrote:
The NASA Shuttle (ship) has sailed.

Unless you're spotless, you'd probably have better chances getting a Duck.

Yup...I got on the ship last Nov for membership and was approved but denied CC....don't remember why the denial.

So a couple wks ago, app'd again with a HP to EX for a CC, and denied....They used the EX mortgage score which was 686...my EX 08 was 717 and Bankcard 08 was 729.

I sent a recon letter through their SM emailbox almost 2 wks ago, still no response. i also sent a follow up letter the middle of last week, still no response.

And the single reason for the 2nd denial: " Too many open/revolving accts and/or borrowing capacity". Eh, maybe....19 cards for $160k + in CL's with $100k income. I know I'm getting close to maxxed out.

Re: NASA membership approved, Credit card denied.. Questions??

wacdenney — Mon, 16 Mar 2015 02:54:29 GMT

@racer-x wrote:
@Anonymous wrote:
The NASA Shuttle (ship) has sailed.

Unless you're spotless, you'd probably have better chances getting a Duck.
Yup...I got on the ship last Nov for membership and was approved but denied CC....don't remember why the denial.

So a couple wks ago, app'd again with a HP to EX for a CC, and denied....They used the EX mortgage score which was 686...my EX 08 was 717 and Bankcard 08 was 729.
I sent a recon letter through their SM emailbox almost 2 wks ago, still no response. i also sent a follow up letter the middle of last week, still no response.

And the single reason for the 2nd denial: " Too many open/revolving accts and/or borrowing capacity". Eh, maybe....19 cards for $160k + in CL's with $100k income. I know I'm getting close to maxxed out.

My denial was for the exact same reason. $0 balance on all but three and < 3% util and they still denied me. NASA is a giant waste of effort.

Re: NASA membership approved, Credit card denied.. Questions??

chalupaman — Mon, 16 Mar 2015 03:36:47 GMT

@wacdenney wrote:
@racer-x wrote:
@Anonymous wrote:
The NASA Shuttle (ship) has sailed.

Unless you're spotless, you'd probably have better chances getting a Duck.
Yup...I got on the ship last Nov for membership and was approved but denied CC....don't remember why the denial.

So a couple wks ago, app'd again with a HP to EX for a CC, and denied....They used the EX mortgage score which was 686...my EX 08 was 717 and Bankcard 08 was 729.
I sent a recon letter through their SM emailbox almost 2 wks ago, still no response. i also sent a follow up letter the middle of last week, still no response.

And the single reason for the 2nd denial: " Too many open/revolving accts and/or borrowing capacity". Eh, maybe....19 cards for $160k + in CL's with $100k income. I know I'm getting close to maxxed out.

My denial was for the exact same reason. $0 balance on all but three and < 3% util and they still denied me. NASA is a giant waste of effort.

Most of these CUs to me have been a gigantic waste of time for me to apply for quite honestly. At least with even Barclays, you know what you're gonna get.

I can understand why they can work for others but eh.

Re: NASA membership approved, Credit card denied.. Questions??

JustinS — Mon, 16 Mar 2015 04:22:58 GMT

@chalupaman wrote:
@wacdenney wrote:
@racer-x wrote:
@Anonymous wrote:
The NASA Shuttle (ship) has sailed.

Unless you're spotless, you'd probably have better chances getting a Duck.
Yup...I got on the ship last Nov for membership and was approved but denied CC....don't remember why the denial.

So a couple wks ago, app'd again with a HP to EX for a CC, and denied....They used the EX mortgage score which was 686...my EX 08 was 717 and Bankcard 08 was 729.
I sent a recon letter through their SM emailbox almost 2 wks ago, still no response. i also sent a follow up letter the middle of last week, still no response.

And the single reason for the 2nd denial: " Too many open/revolving accts and/or borrowing capacity". Eh, maybe....19 cards for $160k + in CL's with $100k income. I know I'm getting close to maxxed out.

My denial was for the exact same reason. $0 balance on all but three and < 3% util and they still denied me. NASA is a giant waste of effort.
Most of these CUs to me have been a gigantic waste of time for me to apply for quite honestly. At least with even Barclays, you know what you're gonna get.

I can understand why they can work for others but eh.

+1 to NASA being a giant waste of effort. Just because of additional age on some cards and additional on time payment history + my reports being spottless/free of any derogs I figured I'd try NASA again. Yet again they gave me the generic too much available credit (I do have over 100k+ of avail credit). However with the same on my reports NFCU gave a 13k starting limit no questions asked... so yeah some CU's are good like that while others are just yeah NOT lol. Plus my local one People First up here in PA gave 6k already over a year ago with no issue at all (even with a couple really old derogs on my reports yet). So, some CU's are really decent while others aren't is what I can surmise from it.

Re: NASA membership approved, Credit card denied.. Questions??

FinStar — Mon, 16 Mar 2015 19:03:37 GMT

@racer-x wrote:
@Anonymous wrote:
The NASA Shuttle (ship) has sailed.

Unless you're spotless, you'd probably have better chances getting a Duck.
Yup...I got on the ship last Nov for membership and was approved but denied CC....don't remember why the denial.

So a couple wks ago, app'd again with a HP to EX for a CC, and denied....They used the EX mortgage score which was 686...my EX 08 was 717 and Bankcard 08 was 729.
I sent a recon letter through their SM emailbox almost 2 wks ago, still no response. i also sent a follow up letter the middle of last week, still no response.

And the single reason for the 2nd denial: " Too many open/revolving accts and/or borrowing capacity". Eh, maybe....19 cards for $160k + in CL's with $100k income. I know I'm getting close to maxxed out.

Typically, unless something has changed from a U/W perspective, their lending committee may yield the same outcome. AFAIK, while some high CL approvals may still occur, they are not as prevalent compared to last year's mega-ark of approvals. Let alone if that is one of the main reasons they listed for being declined.

Re: NASA membership approved, Credit card denied.. Questions??

racer-x — Mon, 16 Mar 2015 22:26:05 GMT

@FinStar wrote:
@racer-x wrote:
@Anonymous wrote:
The NASA Shuttle (ship) has sailed.

Unless you're spotless, you'd probably have better chances getting a Duck.
Yup...I got on the ship last Nov for membership and was approved but denied CC....don't remember why the denial.

So a couple wks ago, app'd again with a HP to EX for a CC, and denied....They used the EX mortgage score which was 686...my EX 08 was 717 and Bankcard 08 was 729.
I sent a recon letter through their SM emailbox almost 2 wks ago, still no response. i also sent a follow up letter the middle of last week, still no response.

And the single reason for the 2nd denial: " Too many open/revolving accts and/or borrowing capacity". Eh, maybe....19 cards for $160k + in CL's with $100k income. I know I'm getting close to maxxed out.

Typically, unless something has changed from a U/W perspective, their lending committee may yield the same outcome. AFAIK, while some high CL approvals may still occur, they are not as prevalent compared to last year's mega-ark of approvals. Let alone if that is one of the main reasons they listed for being declined.

Yeah, probably so. And that is THE one and only reason they stated for denial. I tried callng at 4:25 today...office closes at 4:15. Seriously?

If nothing else, I want to tell them about themselves and how their CS sux. It's been 2wks since I sent a letter.

Re: NASA membership approved, Credit card denied.. Questions??

FinStar — Tue, 17 Mar 2015 01:23:42 GMT

@racer-x wrote:
@FinStar wrote:
@racer-x wrote:
@Anonymous wrote:
The NASA Shuttle (ship) has sailed.

Unless you're spotless, you'd probably have better chances getting a Duck.
Yup...I got on the ship last Nov for membership and was approved but denied CC....don't remember why the denial.

So a couple wks ago, app'd again with a HP to EX for a CC, and denied....They used the EX mortgage score which was 686...my EX 08 was 717 and Bankcard 08 was 729.
I sent a recon letter through their SM emailbox almost 2 wks ago, still no response. i also sent a follow up letter the middle of last week, still no response.

And the single reason for the 2nd denial: " Too many open/revolving accts and/or borrowing capacity". Eh, maybe....19 cards for $160k + in CL's with $100k income. I know I'm getting close to maxxed out.

Typically, unless something has changed from a U/W perspective, their lending committee may yield the same outcome. AFAIK, while some high CL approvals may still occur, they are not as prevalent compared to last year's mega-ark of approvals. Let alone if that is one of the main reasons they listed for being declined.
Yeah, probably so. And that is THE one and only reason they stated for denial. I tried callng at 4:25 today...office closes at 4:15. Seriously?

If nothing else, I want to tell them about themselves and how their CS sux. It's been 2wks since I sent a letter.

IIRC, their lending/review committee used to meet once a week for these types of reviews (not sure if that's still the case). You can always try to contact them tomorrow and check the status of your request.