topic Re: NASA in Credit Cards

NASA

DUCTAPER77 — Wed, 04 Mar 2015 21:25:18 GMT

If I apply for a nasa membership is it guaranteed to be a soft pull or is a gamble? Don't want to gamble with a hard pull.

Re: NASA

Anonymous — Wed, 04 Mar 2015 21:31:37 GMT

@DUCTAPER77 wrote:
If I apply for a nasa membership is it guaranteed to be a soft pull or is a gamble? Don't want to gamble with a hard pull.

While generally it's a soft pull for NASA nothing is a guarantee and you should not apply for anything if you 'can't "afford' a hard pull.

Re: NASA

DUCTAPER77 — Wed, 04 Mar 2015 21:40:36 GMT

Didn't say I "can't afford one" just don't want one so that's why I asked.

Re: NASA

Anonymous — Wed, 04 Mar 2015 21:44:54 GMT

@DUCTAPER77 wrote:
Didn't say I "can't afford one" just don't want one so that's why I asked.

Meant by 'afford' as it would damage your score too much. None of us want them😀. Most likely it will a SP for membership and a credit card application if you apply immediately after membership approval but quite often we see posters come here and say something to the effect of 'despite what everyone said I got a HP'.

Re: NASA

DUCTAPER77 — Wed, 04 Mar 2015 21:54:20 GMT

OK thanks.

Re: NASA

Anonymous — Wed, 04 Mar 2015 22:44:40 GMT

Soft for sure .

Re: NASA

Anonymous — Thu, 05 Mar 2015 03:07:24 GMT

agree

@Anonymous wrote:
@DUCTAPER77 wrote:
If I apply for a nasa membership is it guaranteed to be a soft pull or is a gamble? Don't want to gamble with a hard pull.
While generally it's a soft pull for NASA nothing is a guarantee and you should not apply for anything if you 'can't "afford' a hard pull.

Re: NASA

1fstgixer — Thu, 05 Mar 2015 03:17:46 GMT

might have different results but I just joined last week in Feb, SP for membership and SP for CC. Aproved for Membership declined on CC adverse letter had EX listed as report they pulled....but was only soft pull, no Inq reporting

Re: NASA

Anonymous — Thu, 05 Mar 2015 03:27:30 GMT

Both SP on my membership and card approval this past Monday. Like Irish said, never a guarantee.

Re: NASA

Anonymous — Thu, 05 Mar 2015 04:45:17 GMT

I applied for membership and approved after providing DL and proof of residency docs. It was SP. Have not applied for credit card.

Re: NASA

Fico2Go — Thu, 05 Mar 2015 14:24:46 GMT

@MstrPTato wrote:
Both SP on my membership and card approval this past Monday. Like Irish said, never a guarantee.

NASA has not impressed me with service. My CC was approved online on the 25th of feb. Underwriter contacted me to esign the loan app... Turns out their esign system doesn't work and failed. So NASA had to snailmail the application for signature. So three four days later I received and signed and emailed. A day later received email stating it had to be notarized. So I got it notarized and emailed back. I asked for confirmation that they have received everything, no response.

It's been over a week and my instantly approved credit card is still in limbo.

Not very happy with this process. How wonder how long it will take to receive my instantly approved card.

Re: NASA

Anonymous — Thu, 05 Mar 2015 14:36:23 GMT

@Fico2Go wrote:
@MstrPTato wrote:
Both SP on my membership and card approval this past Monday. Like Irish said, never a guarantee.
NASA has not impressed me with service. My CC was approved online on the 25th of feb. Underwriter contacted me to esign the loan app... Turns out their esign system doesn't work and failed. So NASA had to snailmail the application for signature. So three four days later I received and signed and emailed. A day later received email stating it had to be notarized. So I got it notarized and emailed back. I asked for confirmation that they have received everything, no response.

It's been over a week and my instantly approved credit card is still in limbo.

Not very happy with this process. How wonder how long it will take to receive my instantly approved card.

Sorry about your troubles with the esign. It worked fine for me but the delay in getting your card is typical with NASA. Mine took 3 weeks after I esigned for it to show up.

Re: NASA

itguy_65 — Thu, 05 Mar 2015 15:45:28 GMT

Sorry that you had trouble with eSign. Caveat to my explanation is that my experience was during the NASA "rush" in September. I apped for membership online, instantly approved. Then, I apped for a VISA Cash Rewards and PLOC online, instantly approved for both. All SPs, I never saw a HP for any of the accounts. The eSign documents showed up about three days later, which I signed online. Both accounts showed up online the next day after eSigning the documents. The PLOC was accessible (you don't get checks, you simply transfer funds to your checking or savings account) that next day. The VISA card did take about three weeks to receive, however. I have used the VISA for over$12K worth of purchases, and received cash of about $230 so far (the cash gets paid annually). They also provide a free set of 150 checks with their Premier eChecking account. All free as long as you do a monthly direct deposit to the eChecking account. You can transfer among accounts to make payments, just like any credit union. Their online system does take a bit of getting used to, but I have called customer service when I had an issue, and they gladly walked me through it. The one thing was that the account registration process for online access was a bit "quirky".

Re: NASA

Fico2Go — Sat, 07 Mar 2015 01:59:14 GMT

@Anonymous wrote:
@Fico2Go wrote:
@MstrPTato wrote:
Both SP on my membership and card approval this past Monday. Like Irish said, never a guarantee.
NASA has not impressed me with service. My CC was approved online on the 25th of feb. Underwriter contacted me to esign the loan app... Turns out their esign system doesn't work and failed. So NASA had to snailmail the application for signature. So three four days later I received and signed and emailed. A day later received email stating it had to be notarized. So I got it notarized and emailed back. I asked for confirmation that they have received everything, no response.

It's been over a week and my instantly approved credit card is still in limbo.

Not very happy with this process. How wonder how long it will take to receive my instantly approved card.

Sorry about your troubles with the esign. It worked fine for me but the delay in getting your card is typical with NASA. Mine took 3 weeks after I esigned for it to show up.

Would you mind telling me when the VISA account start showing up on the website? Currently the nasa site says I have a savings membership but no VISA account anywhere. After the initial approval email I've not received anythng else from them.

Re: NASA

Anonymous — Sat, 07 Mar 2015 02:02:22 GMT

@Fico2Go wrote:
@Anonymous wrote:
@Fico2Go wrote:
@MstrPTato wrote:
Both SP on my membership and card approval this past Monday. Like Irish said, never a guarantee.
NASA has not impressed me with service. My CC was approved online on the 25th of feb. Underwriter contacted me to esign the loan app... Turns out their esign system doesn't work and failed. So NASA had to snailmail the application for signature. So three four days later I received and signed and emailed. A day later received email stating it had to be notarized. So I got it notarized and emailed back. I asked for confirmation that they have received everything, no response.

It's been over a week and my instantly approved credit card is still in limbo.

Not very happy with this process. How wonder how long it will take to receive my instantly approved card.

Sorry about your troubles with the esign. It worked fine for me but the delay in getting your card is typical with NASA. Mine took 3 weeks after I esigned for it to show up.

Would you mind telling me when the VISA account start showing up on the website? Currently the nasa site says I have a savings membership but no VISA account anywhere. After the initial approval email I've not received anythng else from them.

I'm trying to remember but I don't think it did until just before I received the card

Re: NASA

Fico2Go — Sat, 07 Mar 2015 03:54:51 GMT

@Anonymous wrote:
@Fico2Go wrote:
@Anonymous wrote:
@Fico2Go wrote:
@MstrPTato wrote:
Both SP on my membership and card approval this past Monday. Like Irish said, never a guarantee.
NASA has not impressed me with service. My CC was approved online on the 25th of feb. Underwriter contacted me to esign the loan app... Turns out their esign system doesn't work and failed. So NASA had to snailmail the application for signature. So three four days later I received and signed and emailed. A day later received email stating it had to be notarized. So I got it notarized and emailed back. I asked for confirmation that they have received everything, no response.

It's been over a week and my instantly approved credit card is still in limbo.

Not very happy with this process. How wonder how long it will take to receive my instantly approved card.

Sorry about your troubles with the esign. It worked fine for me but the delay in getting your card is typical with NASA. Mine took 3 weeks after I esigned for it to show up.

Would you mind telling me when the VISA account start showing up on the website? Currently the nasa site says I have a savings membership but no VISA account anywhere. After the initial approval email I've not received anythng else from them.

I'm trying to remember but I don't think it did until just before I received the card

btw, just noticed all your CU cards. NFCU, Penfed, and NASA talk about a UTIL crusher.

How far apart were the app time span between the three?

Re: NASA

ScarletFever — Sun, 08 Mar 2015 06:19:42 GMT

@DUCTAPER77 wrote:
If I apply for a nasa membership is it guaranteed to be a soft pull or is a gamble? Don't want to gamble with a hard pull.

app'd a couple weeks ago, just received card. A sp, and not reporting anywhere, yet.

Re: NASA

Anonymous — Sun, 08 Mar 2015 12:23:09 GMT

I just e-signed the application on Friday...is this the last step for the instant approval. Are they going to request documents like paystubs still? I wanna get this sucker and move a small loan onto the card via balance transfer.

Re: NASA

Anonymous — Sun, 08 Mar 2015 12:26:49 GMT

@Fico2Go wrote:
@Anonymous wrote:
@Fico2Go wrote:
@Anonymous wrote:
@Fico2Go wrote:
@MstrPTato wrote:
Both SP on my membership and card approval this past Monday. Like Irish said, never a guarantee.
NASA has not impressed me with service. My CC was approved online on the 25th of feb. Underwriter contacted me to esign the loan app... Turns out their esign system doesn't work and failed. So NASA had to snailmail the application for signature. So three four days later I received and signed and emailed. A day later received email stating it had to be notarized. So I got it notarized and emailed back. I asked for confirmation that they have received everything, no response.

It's been over a week and my instantly approved credit card is still in limbo.

Not very happy with this process. How wonder how long it will take to receive my instantly approved card.

Sorry about your troubles with the esign. It worked fine for me but the delay in getting your card is typical with NASA. Mine took 3 weeks after I esigned for it to show up.

Would you mind telling me when the VISA account start showing up on the website? Currently the nasa site says I have a savings membership but no VISA account anywhere. After the initial approval email I've not received anythng else from them.

I'm trying to remember but I don't think it did until just before I received the card
btw, just noticed all your CU cards. NFCU, Penfed, and NASA talk about a UTIL crusher.
How far apart were the app time span between the three?

NFCU in November, PenFed and NASA a week apart in January. Definitely helps with utilization. I might even try for a second NFCU or PenFed card before too long.

Re: NASA

Anonymous — Sun, 08 Mar 2015 12:28:19 GMT

@MstrPTato wrote:
I just e-signed the application on Friday...is this the last step for the instant approval. Are they going to request documents like paystubs still? I wanna get this sucker and move a small loan onto the card via balance transfer.

You should be good but it's still possible that an underwriter could ask for POI. When you see status change to 'funded' then you're done