topic Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this in Credit Cards

Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

12njoy — Sun, 15 Jan 2023 19:14:03 GMT

So as the heading states, I've been in the garden for close to 6 months. Six months left to go. I've been checking SP's to see where I stand. First time trying NASA with any success. Usually it's a flat out thanks but no thanks to me. I have a verizon preapproval for 8k and now a prequal (no guarantee) for 20k. I must continue to resist

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

cashorcharge — Sun, 15 Jan 2023 19:02:41 GMT

So tempting while gardening...

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

12njoy — Sun, 15 Jan 2023 19:09:53 GMT

@cashorcharge wrote:
So tempting while gardening...

It's the worst credit feeling ever . What keeps me going is that if the offer is there now, it'll likely be there in 6 months and may be even sweeter.

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

FinStar — Sun, 15 Jan 2023 19:19:59 GMT

@12njoy wrote:
@cashorcharge wrote:
So tempting while gardening...
It's the worst credit feeling ever . What keeps me going is that if the offer is there now, it'll likely be there in 6 months and may be even sweeter.

I would caution that if you have excess of ~$500K in TCL, NASA FCU will unlikely approve you. That's been the recent theme for anyone with very highTCL. Try if you may, but NASA FCU is one of those similar to First Tech or Langley that needs to be obtained way before TCL gets up there. But, science if you must 😎

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

12njoy — Sun, 15 Jan 2023 19:20:37 GMT

@FinStar wrote:
@12njoy wrote:
@cashorcharge wrote:
So tempting while gardening...
It's the worst credit feeling ever . What keeps me going is that if the offer is there now, it'll likely be there in 6 months and may be even sweeter.
I would caution that if you have excess of ~$500K in TCL, NASA FCU will unlikely approve you. That's been the recent theme for anyone with very highTCL. Try if you may, but NASA FCU is one of those similar to First Tech or Langley that needs to be obtained way before TCL gets up there. But, science if you must 😎

Thanks Finstar. I'm not taking the bait. I'm firmly in the garden. I have bigger fish to fry in six months, namely commercial property investments

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

Jnbmom — Sun, 15 Jan 2023 19:21:48 GMT

YMMV

I have been prequalified twice, DH once all were denials so I don't think it's very accurate.

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

12njoy — Sun, 15 Jan 2023 19:27:14 GMT

@Jnbmom wrote:
YMMV

I have been prequalified twice, DH once all were denials so I don't think it's very accurate.

I agree with you and Finstar which is why I captioned it with (no guarantee). I like the fact that the computer comes back with a proposal. That gives me a little insight into my profile from the view of a creditor. In the end, as we all know, nothing is guarenteed. Some years back, I took NASA up on an offer and was swiftly denied. I look at is this way that there is always something to be learned.

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

FinStar — Sun, 15 Jan 2023 19:44:00 GMT

@12njoy wrote:
@Jnbmom wrote:
YMMV

I have been prequalified twice, DH once all were denials so I don't think it's very accurate.
I agree with you and Finstar which is why I captioned it with (no guarantee). I like the fact that the computer comes back with a proposal. That gives me a little insight into my profile from the view of a creditor. In the end, as we all know, nothing is guarenteed. Some years back, I took NASA up on an offer and was swiftly denied. I look at is this way that there is always something to be learned.

When NASA FCU became a major FOTM phenomenon several years ago on just about every known medium, that was the time for getting in with them if imaginary money conquests were the thing. If I didn't have any of their CCs today, then it'd be a futile effort to even try. So, I'll just hang on to it until they kill it 🤓

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

12njoy — Sun, 15 Jan 2023 19:45:45 GMT

@FinStar wrote:
@12njoy wrote:
@Jnbmom wrote:
YMMV

I have been prequalified twice, DH once all were denials so I don't think it's very accurate.
I agree with you and Finstar which is why I captioned it with (no guarantee). I like the fact that the computer comes back with a proposal. That gives me a little insight into my profile from the view of a creditor. In the end, as we all know, nothing is guarenteed. Some years back, I took NASA up on an offer and was swiftly denied. I look at is this way that there is always something to be learned.
When NASA FCU became a major FOTM phenomenon several years ago on just about every known medium, that was the time for getting in with them if imaginary money conquests were the thing. If I didn't have any of their CCs today, then it'd be a futile effort to even try. So, I'll just hang on to it until they kill it 🤓

I got my only card with them I believe in 2014. I tried for a CLI a few years after that and was denied due to existing credit lines. I knocked my head again and applied for a new card in 2019 and that was a no go too. I've just kept the 5k card they originally gave me for longevity purposes.

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

FinStar — Sun, 15 Jan 2023 19:51:54 GMT

@12njoy wrote:
@FinStar wrote:
@12njoy wrote:
@Jnbmom wrote:
YMMV

I have been prequalified twice, DH once all were denials so I don't think it's very accurate.
I agree with you and Finstar which is why I captioned it with (no guarantee). I like the fact that the computer comes back with a proposal. That gives me a little insight into my profile from the view of a creditor. In the end, as we all know, nothing is guarenteed. Some years back, I took NASA up on an offer and was swiftly denied. I look at is this way that there is always something to be learned.
When NASA FCU became a major FOTM phenomenon several years ago on just about every known medium, that was the time for getting in with them if imaginary money conquests were the thing. If I didn't have any of their CCs today, then it'd be a futile effort to even try. So, I'll just hang on to it until they kill it 🤓
I got my only card with them I believe in 2014. I tried for a CLI a few years after that and was denied due to existing credit lines. I knocked my head again and applied for a new card in 2019 and that was a no go too. I've just kept the 5k card they originally gave me for longevity purposes.

Right.

They still use older FICO models and UW is pretty conservative at best. Now, a thinner/newish or typical consumer profile without much of a high risk in their eyes will pretty much be ok. But, any MF member with a slew of accounts and CLs will most certainly be a no-go. Though, it's nice to see you're on their radar when trying them out. I've done the same with the pre-qualification tool for their Star Trek CC, but it's merely lust 🤪 since I know it's a trap! It's ok to look 👁🫦👁

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

12njoy — Sun, 15 Jan 2023 19:59:14 GMT

@FinStar

Yes my credit score with them has stayed between 735 and 743 for years. I always wondered how that was even possible but now I know

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

Anonymous — Sun, 15 Jan 2023 20:04:27 GMT

@FinStar wrote:
When NASA FCU became a major FOTM phenomenon several years ago on just about every known medium, that was the time for getting in with them if imaginary money conquests were the thing. If I didn't have any of their CCs today, then it'd be a futile effort to even try. So, I'll just hang on to it until they kill it 🤓

I originally kept the card just for the $30K limit, but for the last two years their summer bonus, spend $1000, get $100 back (plus the points earned) was another good reason!

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

markbeiser — Mon, 16 Jan 2023 02:55:29 GMT

@FinStarSo with my more pedestrian TCL, I'll stand a chance when I get out of the garden, good to know!
I kinda want the Star Trek card just to have it, but I'm a participant in an online community that argues with flat earthers for fun, and anything NASA strongly rustles their jimmies, so I REALLY want a NASA card!🤣

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

SweetCreditObsession — Mon, 16 Jan 2023 03:26:29 GMT

Stay strong💪 ! You CAN do it!🙂

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

FinStar — Mon, 16 Jan 2023 04:48:57 GMT

@markbeiser wrote:
@FinStarSo with my more pedestrian TCL, I'll stand a chance when I get out of the garden, good to know!
I kinda want the Star Trek card just to have it, but I'm a participant in an online community that argues with flat earthers for fun, and anything NASA strongly rustles their jimmies, so I REALLY want a NASA card!🤣

@markbeiser - you definitely have a better chance than most of us, especially with the Star Trek CC. I believe that particular card has an AF, though. But, for die-hard fans and the Star Trek novelty, some are willing to justify it. Several years ago there was a local Star Base in our area but it closed down, unfortunately.

As long as you don't have a slew of new accounts or inquiries, DTI is low, TCL isn't too high, then they can be had. We've seen a sprinkle of NASA FCU approvals in the past year or so. They pull EX btw.

Defintely keep us posted when/if you decide to go for it🖖

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

pizza1 — Wed, 18 Jan 2023 15:30:04 GMT

@FinStar wrote:
@12njoy wrote:
@cashorcharge wrote:
So tempting while gardening...
It's the worst credit feeling ever . What keeps me going is that if the offer is there now, it'll likely be there in 6 months and may be even sweeter.
I would caution that if you have excess of ~$500K in TCL, NASA FCU will unlikely approve you. That's been the recent theme for anyone with very highTCL. Try if you may, but NASA FCU is one of those similar to First Tech or Langley that needs to be obtained way before TCL gets up there. But, science if you must 😎

@FinStar 😂😂😂 lol!! "Science if you must"... @12njoy , it will be interesting to see what the results would be! I was declined numerous times for NASA with "only" $400k, lol, but then again I also had BK showing too.

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

RootDet — Fri, 20 Jan 2023 06:46:45 GMT

I have applied for a CC twice, each time shot down for sufficient available credit. It is on my list of credit unions to close. My ONLY desire was the star trek card. without that, the credit union has zero interest to me.

Re: Nasa Prequal and I'm in the Garden nearing 6 months. I can do this

1GaDawg85 — Fri, 20 Jan 2023 20:50:47 GMT

@pizza1 wrote:
@FinStar wrote:
@12njoy wrote:
@cashorcharge wrote:
So tempting while gardening...
It's the worst credit feeling ever . What keeps me going is that if the offer is there now, it'll likely be there in 6 months and may be even sweeter.
I would caution that if you have excess of ~$500K in TCL, NASA FCU will unlikely approve you. That's been the recent theme for anyone with very highTCL. Try if you may, but NASA FCU is one of those similar to First Tech or Langley that needs to be obtained way before TCL gets up there. But, science if you must 😎
@FinStar 😂😂😂 lol!! "Science if you must"... @12njoy , it will be interesting to see what the results would be! I was declined numerous times for NASA with "only" $400k, lol, but then again I also had BK showing too.

do it for the culture!