topic Re: NASA FCU in Credit Cards

NASA FCU

Anonymous — Thu, 03 Nov 2016 12:09:01 GMT

I am trying to find out if NASA FCU is still a soft pull if you apply for a credit card. from what I've read you open an acount and yoy can apply same day as a soft pull? Can someone give me insight that is recent. I'm looking into the card but don't want to do any hard pulls.

Re: NASA FCU

SouthJamaica — Thu, 03 Nov 2016 17:21:23 GMT

@Anonymous wrote:
I am trying to find out if NASA FCU is still a soft pull if you apply for a credit card. from what I've read you open an acount and yoy can apply same day as a soft pull? Can someone give me insight that is recent. I'm looking into the card but don't want to do any hard pulls.

You might want to consider just staying away from them for now, there are many reports suggesting they've gotten cranky these past few months.

Re: NASA FCU

Themanwhocan — Thu, 03 Nov 2016 21:48:15 GMT

@SouthJamaica wrote:
@Anonymous wrote:
I am trying to find out if NASA FCU is still a soft pull if you apply for a credit card. from what I've read you open an acount and yoy can apply same day as a soft pull? Can someone give me insight that is recent. I'm looking into the card but don't want to do any hard pulls.
You might want to consider just staying away from them for now, there are many reports suggesting they've gotten cranky these past few months.

Well, NASA uses a FICO 04 score, so its important to have no credit applications for at least 6 months in order to optimize that score. Recent cards can really tank 04 scores.

In the end, if you do use a HP its not the end of the world.

Re: NASA FCU

AverageJoesCredit — Thu, 03 Nov 2016 23:43:45 GMT

I second SJ. If you have other creditors, Nasa might get jealous and send you to Mars;(.

Re: NASA FCU

baller4life — Thu, 03 Nov 2016 23:53:38 GMT

Run

Re: NASA FCU

Anonymous — Fri, 04 Nov 2016 00:31:30 GMT

They have nerfed (oh sorry, "improved") the major credit card so it's now a vanilla 1.5% card. And at least towards the end of the MyFico rush, the high SL seem to vanish as well. So while it's probably a higher SL than many Shopping Cart Trick cards, it may not be all that worthwhile even if it is still a SP.

Re: NASA FCU

Themanwhocan — Fri, 04 Nov 2016 01:16:35 GMT

@Anonymous wrote:
They have nerfed (oh sorry, "improved") the major credit card so it's now a vanilla 1.5% card. And at least towards the end of the MyFico rush, the high SL seem to vanish as well. So while it's probably a higher SL than many Shopping Cart Trick cards, it may not be all that worthwhile even if it is still a SP.

It still has a space shuttle image on it. That is reason enough to get the card.

Though there are much better ways to get a $30k+ credit limit card, if that is your thing. American Express, Discover, FNBO, NFCU ...

Re: NASA FCU

Anonymous — Fri, 04 Nov 2016 11:43:47 GMT

Thanks everyone for your responses. I was interested to see if I could add a card without a hard pull and have a decent sl. I'll continue to weight a day or two and decide whether to do it.

Re: NASA FCU

Anonymous — Fri, 04 Nov 2016 12:52:36 GMT

@Anonymous wrote:
Thanks everyone for your responses. I was interested to see if I could add a card without a hard pull and have a decent sl. I'll continue to weight a day or two and decide whether to do it.

No one has mentioned this but if those scores in your signature are accurate then they probably are a bit low for NASA's underwriting.

Re: NASA FCU

Anonymous — Sat, 19 Nov 2016 14:59:25 GMT

Maybe I missed it or OP knows this but keep in mind tho they will approve or deny a CC without a pull it is because they pulled a hard to open your account to begin with.

Re: NASA FCU

Anonymous — Sat, 19 Nov 2016 17:04:38 GMT

@Anonymous wrote:
Maybe I missed it or OP knows this but keep in mind tho they will approve or deny a CC without a pull it is because they pulled a hard to open your account to begin with.

When the card was FOTM here, it was only a SP for opening the account and for getting the card, no HPs at all.

Re: NASA FCU

Themanwhocan — Sat, 19 Nov 2016 18:50:15 GMT

@Themanwhocan wrote:
@SouthJamaica wrote:
@Anonymous wrote:
I am trying to find out if NASA FCU is still a soft pull if you apply for a credit card. from what I've read you open an acount and yoy can apply same day as a soft pull? Can someone give me insight that is recent. I'm looking into the card but don't want to do any hard pulls.
You might want to consider just staying away from them for now, there are many reports suggesting they've gotten cranky these past few months.
Well, NASA uses a FICO 04 score, so its important to have no credit applications for at least 6 months in order to optimize that score. Recent cards can really tank 04 scores.

In the end, if you do use a HP its not the end of the world.

Actually, NASA uses EX-98 FICO score

Re: NASA FCU

Anonymous — Sun, 20 Nov 2016 12:20:06 GMT

Didn't know that-wish that happened to me-I hate HP's for bank accounts

I just got a membership and opened a savings last week and I got a hard pull for it.

Re: NASA FCU

Anonymous — Sun, 20 Nov 2016 12:50:28 GMT

Not applying

Re: NASA FCU

Anonymous — Sun, 20 Nov 2016 13:02:47 GMT

@baller4life wrote:
Run

Vote for best comment of the year

Re: NASA FCU

CreditMagic7 — Sun, 20 Nov 2016 19:55:05 GMT

@Anonymous wrote:
@baller4life wrote:
Run
Vote for best comment of the year

Fast

Re: NASA FCU

KillerCut — Fri, 09 Dec 2016 19:56:11 GMT

nasa fcu sux, tried 2 or 3 times to get a card with my scores near 800 and denied every time. I get 90% of my apps approved I get a card or 2 in the mail every day this month, lol.