topic Re: NASA in Credit Card Applications

NASA

Shawndoe79 — Mon, 24 Aug 2015 05:04:35 GMT

Approved instantly for NASA membership declined for CC. Hope they were both SP

Re: NASA

gingerflower — Mon, 24 Aug 2015 05:06:38 GMT

Congratulations welcome to Nasa Fcu. I recommend the visa cash card and the Ploc should be the same Sp. Good luck!

Re: NASA

Shawndoe79 — Mon, 24 Aug 2015 05:18:28 GMT

I app'd for the platinum cash rewards and was denied. Are you saying go back and app for a Ploc?

Re: NASA

CH-7-Mission-Accomplished — Mon, 24 Aug 2015 05:33:35 GMT

@Shawndoe79 wrote:
I app'd for the platinum cash rewards and was denied. Are you saying go back and app for a Ploc?

NASA requres a minimum of 24 months of positive credit history on three or more revolving accounts post bankruptcy. The next app will be an HP. Don't waste it.

Re: NASA

Shawndoe79 — Mon, 24 Aug 2015 05:36:17 GMT

Awesome info thanks

Re: NASA

Anonymous — Mon, 24 Aug 2015 05:49:35 GMT

Congrats on your approval!!!

Re: NASA

Shawndoe79 — Mon, 24 Aug 2015 10:55:08 GMT

@CH-7-Mission-Accomplished wrote:
@Shawndoe79 wrote:
I app'd for the platinum cash rewards and was denied. Are you saying go back and app for a Ploc?
NASA requres a minimum of 24 months of positive credit history on three or more revolving accounts post bankruptcy. The next app will be an HP. Don't waste it.

Ok I'll be at a year soon, I'll keep them around

Re: NASA

Shawndoe79 — Mon, 24 Aug 2015 10:56:26 GMT

@beautifulblaquepearl wrote:
Congrats on your approval!!!

Thanks

Re: NASA

ddemari — Mon, 24 Aug 2015 13:37:39 GMT

Congrats!! Wait another 6-12 months and then apply for cc if profile gets better! Thats my plan.

Re: NASA

Shawndoe79 — Mon, 24 Aug 2015 14:23:23 GMT

@ddemari wrote:
Congrats!! Wait another 6-12 months and then apply for cc if profile gets better! Thats my plan

Thanks, my thoughts exactly

Re: NASA

ddemari — Mon, 24 Aug 2015 14:26:14 GMT

When I received my denial for Nasa CC, they are/were using EX FICO 3. My score was low 700's. They like a strong, clean profile from what I have read.

Re: NASA

Shawndoe79 — Mon, 24 Aug 2015 14:41:56 GMT

Ok, I only tried it since I heard they were soft pulls. I'll try again once profile is stronger

Re: NASA

Anonymous — Mon, 24 Aug 2015 15:50:15 GMT

@CH-7-Mission-Accomplished wrote:
@Shawndoe79 wrote:
I app'd for the platinum cash rewards and was denied. Are you saying go back and app for a Ploc?
NASA requres a minimum of 24 months of positive credit history on three or more revolving accounts post bankruptcy. The next app will be an HP. Don't waste it.

CH-7 -- thanks for posting this. I have been scouring MyFico trying to figure out what it takes to make NASA happy. I was instantly accepted into CU 6 months ago, but declined as well on CC. Had 756 Experian score. Don't have a bk, but did not have three accounts with 24 months of history at the time. I'll be reapplying at the end of this year.

Re: NASA

gingerflower — Mon, 24 Aug 2015 23:01:44 GMT

Op sorry I did not realize you are post bankruptcy. Had I' d know I would have not recommend to apply for cc or Ploc. I'd wait a year to apply.

Re: NASA

Anonymous — Mon, 24 Aug 2015 23:49:14 GMT

According to CH7, that might not be a good idea especially for the OP since that would mean a decline with a HP.

@ddemari wrote:
Congrats!! Wait another 6-12 months and then apply for cc if profile gets better!

Re: NASA

ddemari — Mon, 24 Aug 2015 23:57:57 GMT

I didnt know about the bankruptcy. From what I have read and from what people on here have told me, Nasa is a beast. I'd probably just move on for a while if I had a nk reporting and try to get in with a local credit union if you could?

Re: NASA

Shawndoe79 — Tue, 25 Aug 2015 22:49:17 GMT

I was only trying since it was a SP, no harm no foul

Re: NASA

Shawndoe79 — Thu, 27 Aug 2015 23:40:04 GMT

**UPDATE** For anybody that's interested I was denied for too many inquiries in the last 12 months (4) and the length of time accounts have been established. Score was 653 Experian

Re: NASA

Anonymous — Fri, 28 Aug 2015 00:19:57 GMT

@Shawndoe79 wrote:
**UPDATE** For anybody that's interested I was denied for too many inquiries in the last 12 months (4) and the length of time accounts have been established. Score was 653 Experian

That's just the reasons they listed. It's a guarantee that the fresh BK was a huge factor.

Re: NASA

Shawndoe79 — Fri, 28 Aug 2015 21:57:45 GMT

@Anonymous wrote:
@Shawndoe79 wrote:
**UPDATE** For anybody that's interested I was denied for too many inquiries in the last 12 months (4) and the length of time accounts have been established. Score was 653 Experian
That's just the reasons they listed. It's a guarantee that the fresh BK was a huge factor.

That could be it too that my accounts since the bankruptcy are only 6 months old