topic Re: NASA CU in Credit Cards

NASA CU

virgo — Sun, 11 May 2014 22:54:28 GMT

Can any one with experience with this CU tell m how they are inquiry sensitive.

Thanx in advance.

Re: NASA CU

EmmyWannabeOrman — Sun, 11 May 2014 23:17:21 GMT

i know they don't use chexsystems and It seems they give high CLs.

Re: NASA CU

virgo — Sun, 11 May 2014 23:42:47 GMT

Thank you for responding. (sorry for the typos).

I already have checking with NFCU and Chase and luv both, but I was looking at their cc's. My only negative is my ton of inquiries. I have been shopping for a business loan and unlike auto or mortgage, they dont get lumped.

Re: NASA CU

EmmyWannabeOrman — Mon, 12 May 2014 01:07:42 GMT

Well IMO I think NFCU are likely to approve you for loans with a lot of inquires. They approved me for their overdraft LOC and CC with a lot of inquiries. Good luck

Re: NASA CU

Kenny — Mon, 12 May 2014 03:42:59 GMT

@virgo wrote:
Thank you for responding. (sorry for the typos).

I already have checking with NFCU and Chase and luv both, but I was looking at their cc's. My only negative is my ton of inquiries. I have been shopping for a business loan and unlike auto or mortgage, they dont get lumped.

If you have Navy Fed then you really need not look anywhere else. If your score is even remotely good, I'm sure you'll get approved for whatever you want with them. High inquiries or not.

Best of luck

Re: NASA CU

yudeology101 — Mon, 12 May 2014 14:24:29 GMT

They may be INQ sensitive, I'm waiting for my denial letter. Just now called the number provided to see if i can talk to an analyst and it seems like there's no direct line to talk to an analyst. They told me for reconsiderations, i would have to email them or write a letter.

Re: NASA CU

mt2va — Mon, 12 May 2014 16:23:19 GMT

@EmmyWannabeOrman wrote:
i know they don't use chexsystems and It seems they give high CLs.

Thanks for the heads up. I've tried twice previously to be a member and was denied both times. Just now went & joined ACC and paid my $5 and now I'm a member of Nasa FCU at last.

Re: NASA CU

Anonymous — Mon, 12 May 2014 16:26:54 GMT

I am surprised they have no Texas locations

Re: NASA CU

Creditaddict — Mon, 12 May 2014 17:00:32 GMT

@virgo wrote:
Thank you for responding. (sorry for the typos).

I already have checking with NFCU and Chase and luv both, but I was looking at their cc's. My only negative is my ton of inquiries. I have been shopping for a business loan and unlike auto or mortgage, they dont get lumped.

If you have not, why have you not applied for credit card with Navy?

Re: NASA CU

Anonymous — Wed, 14 May 2014 05:51:36 GMT

my experience..

app'ed for credit card platinum and asked for max $30k.. they countered to $15k i accepted. Sent in a few docs; 2 paystubs, copy of ID, etc. pulled EX with 10+ recent inq's.

Re: NASA CU

Kenny — Wed, 14 May 2014 07:19:57 GMT

@Anonymous wrote:
my experience..

app'ed for credit card platinum and asked for max $30k.. they countered to $15k i accepted. Sent in a few docs; 2 paystubs, copy of ID, etc. pulled EX with 10+ recent inq's.

Strong income to support a 15k limit? Just curious as to how generous this cu is. It seems to be the one everyone wants in on right now...

Re: NASA CU

MadTechnologist — Wed, 14 May 2014 14:01:34 GMT

I would be interested as well. I am also a member of Navy Federal Credit Union (NFCU) and have a nRewards CC with them with a 2K credit limit (CL) and about %47 utilization (uti) and a NavChek overdraft with a 5K CL with 0% uti. My score is on the low side, but I'm working on improving it, especially after my bankruptcy (BK) back in 2012. But I was really hoping for some of the higher CLs that I've been hearing about from NFCU with my 61K salary. But, I am still really greatful that they gave me a shot anyway, as the nRewards is my highest limit card and I want to get rid of my Credit One Bank card with a $500 CL before the annual fee (AF) kicks in next month. So if NASA also has high limits on their cards, this might be the way to go.

Re: NASA CU

Anonymous — Wed, 14 May 2014 14:34:02 GMT

Income for $15k counteroffer is at $100k range.. also membership approval was a long process.. after uploading all required docs through secured messaging center for membership (you have to have membership approval to receive card) they then asked me to resend all docs notarized (IDs) citing that they could not verify my info even with copies of ID's and paystubs and utility bill.

Im thinking I have to pull my ARS and ID Analytics files and freeze those as its causing issues with verification most likely..

Re: NASA CU

Anonymous — Wed, 14 May 2014 14:34:36 GMT

Anyone know how nasa is on cli?soft or hard?

Re: NASA CU

Anonymous — Wed, 14 May 2014 16:42:59 GMT

For me, I apped with them a few weeks back for their CC and was denied because of my BK was too new?!?! My discharge was back in 3/2011.

9 util, 4 CC's current and two auto loans. no baddies since discharge.

Strange...