topic Re: NASA FCU in Credit Cards

NASA FCU

wacdenney — Tue, 12 Aug 2014 15:24:48 GMT

I am currently attempting to join NASA FCU with the intent of applying for a credit card with hopefully a starting 5 figure limit.

I have read other posts where people have said the process was painless and completed instantly online. In my case, they asked for a copy of my DL and a utility bill as proof of residency. The catch is that our mortgage and all the utilities are in my wife's name. I uploaded my DL along with my SS card for proof of identity and I also uploaded my weapons permit hopefully as proof of residency.

Does anyone else have any experience with NASA FCU? I can't seem to find a list of acceptable documents for proof of residency. I thought I might try my vehicle registration if they don't like the weapon carry permit, but I would feel better if I could find a list of what they would take somewhere.

Re: NASA FCU

BootStraps — Tue, 12 Aug 2014 15:36:14 GMT

I applied online and everything went smoothly.

I also called just in case I had missed anything (because it seemed too easy). I would suggest giving them a quick call. I found their customer service useful since I tend to ask a lot of questions... If you explain the situation, they may have acceptable alternatives that are not listed on the site.

Re: NASA FCU

jaeproc — Tue, 12 Aug 2014 15:39:46 GMT

Hey I'm also thinking about joining nasa.... if I may ask what credit bureau do they pull and was the membership a soft or hard pull? Thanks

Re: NASA FCU

Creditaddict — Tue, 12 Aug 2014 15:53:11 GMT

they didn't like me... I was declined cc

Re: NASA FCU

wacdenney — Tue, 12 Aug 2014 15:57:20 GMT

OK I called in to ask what documents would work for proof of residency and I guess my gun permit was acceptable. Account approved and opened!! Woot!!

The girl said I would recieve an email by the end of the day. No HP notifications yet. I have daily pulls on EQ, but I already updated it this morning. As soon as I get a notification I will update.

Now to start scoping out those cards!

Re: NASA FCU

BootStraps — Tue, 12 Aug 2014 16:10:38 GMT

They pulled experian for the credit card application.

I guess they used the same pull to establish my membership because I don't have any other pulls from Nasa.

Re: NASA FCU

Anonymous — Tue, 12 Aug 2014 17:05:49 GMT

@wacdenney wrote:
OK I called in to ask what documents would work for proof of residency and I guess my gun permit was acceptable. Account approved and opened!! Woot!!

The girl said I would recieve an email by the end of the day. No HP notifications yet. I have daily pulls on EQ, but I already updated it this morning. As soon as I get a notification I will update.

Now to start scoping out those cards!

I'm surprised you did it in that order (join and then see if there is a card you want!). They have a good rewards card (Plat Cash Rewards) that gives 2% on the amount over $2K spend per year. However, rewards are paid annually, which is a negative unless you want a big lump sum once a year as an enforced saving method.

Re: NASA FCU

wacdenney — Tue, 12 Aug 2014 17:13:24 GMT

@Anonymous wrote:
@wacdenney wrote:
OK I called in to ask what documents would work for proof of residency and I guess my gun permit was acceptable. Account approved and opened!! Woot!!

The girl said I would recieve an email by the end of the day. No HP notifications yet. I have daily pulls on EQ, but I already updated it this morning. As soon as I get a notification I will update.

Now to start scoping out those cards!
I'm surprised you did it in that order (join and then see if there is a card you want!). They have a good rewards card (Plat Cash Rewards) that gives 2% on the amount over $2K spend per year. However, rewards are paid annually, which is a negative unless you want a big lump sum once a year as an enforced saving method.

I was able to browse the cards, but to be honest what I'm really after is a 5 figure limit. It wouldn't let me apply without logging in. Or I couldn't find any way to anyway.

Yes, I will likely apply for the cash rewards card. Hoping for a ridiculously high limit.

Perhaps in the future I may utilize some of their other lending services. I have a couple of vehicle purchases coming in the not too distant future for sure. I like my local credit union but they seem a little conservative.

Re: NASA FCU

wacdenney — Tue, 12 Aug 2014 17:18:34 GMT

Wow!! It looks like the branch in my hometown that is a shared branch with my local credit union is also a shared branch with NASA FCU. SWEET!!

I may actually go ahead and open up a checking account also.

Re: NASA FCU

wacdenney — Tue, 12 Aug 2014 17:29:19 GMT

Ouch!! Application referred... Said I would hear back in 2 to 3 days.

Re: NASA FCU

Themanwhocan — Tue, 12 Aug 2014 23:43:29 GMT

@wacdenney wrote:
@Anonymous wrote:
@wacdenney wrote:
OK I called in to ask what documents would work for proof of residency and I guess my gun permit was acceptable. Account approved and opened!! Woot!!

The girl said I would recieve an email by the end of the day. No HP notifications yet. I have daily pulls on EQ, but I already updated it this morning. As soon as I get a notification I will update.

Now to start scoping out those cards!
I'm surprised you did it in that order (join and then see if there is a card you want!). They have a good rewards card (Plat Cash Rewards) that gives 2% on the amount over $2K spend per year. However, rewards are paid annually, which is a negative unless you want a big lump sum once a year as an enforced saving method.
I was able to browse the cards, but to be honest what I'm really after is a 5 figure limit. It wouldn't let me apply without logging in. Or I couldn't find any way to anyway.

Yes, I will likely apply for the cash rewards card. Hoping for a ridiculously high limit.

Perhaps in the future I may utilize some of their other lending services. I have a couple of vehicle purchases coming in the not too distant future for sure. I like my local credit union but they seem a little conservative.

The UN FCU Visa Elite card has credit limits up to $100,000.00 but it does have a $50 annual fee...

Re: NASA FCU

wacdenney — Wed, 13 Aug 2014 12:29:57 GMT

Man this is weird. I still haven't seen an HP anywhere. My share savings was spproved and setup yesterday, though they still haven't drafted the $5 to fund it and my CC app is still sitting there with a status of "PENDING". I'm not sure how I got approved for membership without an HP. I get EQ monitoring through Complete Advantage, Ex monitoring through Protect my ID and Credit Sesame, and TU monitoring through Credit Karma. If they had done a pull I should have heard about it by now. On the other hand... My EQ FAKO has gone up 13 points in the last 2 days so maybe it's good they are dragging their feet.

Does anyone know if this is normal at all? I'm used to an approved or denied by now and calling in for recon. I'm not sure if I should call them now or let it ride for a day or two.

Re: NASA FCU

navigatethis12 — Wed, 13 Aug 2014 13:21:32 GMT

@wacdenney wrote:
I'm not sure how I got approved for membership without an HP.

I joined back in November and no inquiry was done. Maybe once a human sees membership was established they'll do a hard for the credit card.

Re: NASA FCU

wacdenney — Wed, 13 Aug 2014 13:24:47 GMT

OK I couldn't resist and called in. The girl said the app was in underwriting which was normal and it would take 2 to 3 days to hear back from them. I guess they just move a little slower than my local CU.

Re: NASA FCU

creditFiend — Sat, 16 Aug 2014 21:08:30 GMT

@wacdenney wrote:
OK I couldn't resist and called in. The girl said the app was in underwriting which was normal and it would take 2 to 3 days to hear back from them. I guess they just move a little slower than my local CU.

I'm interested in knowing the outcome. Keep us posted

Re: NASA FCU

toi34 — Sat, 16 Aug 2014 23:37:07 GMT

Membership is a soft on EX. If your CC application was not instantly approved then it may be declined. There is an underwriter at NASA who is mean and nasty (there are a few threads about her on this site...look it up), she declines ALL applications for sport...even those who have 750+ ficos.

Good Luck!

Re: NASA FCU

wacdenney — Sun, 17 Aug 2014 02:05:08 GMT

My NASA FCU application was declined. However, the next day I got an instant approval for 4k from DCU. 4k isn't the 5 figures I was hoping for, but it is 2k more than the card it replaces. I am going to go ahead and look at the whole endevor as a net gain. Other than CSP this winter, I am definately DONE apping for anything else for a very long time.

Re: NASA FCU

Ron1 — Sun, 17 Aug 2014 02:42:27 GMT

@wacdenney wrote:
My NASA FCU application was declined. However, the next day I got an instant approval for 4k from DCU. 4k isn't the 5 figures I was hoping for, but it is 2k more than the card it replaces. I am going to go ahead and look at the whole endevor as a net gain. Other than CSP this winter, I am definately DONE apping for anything else for a very long time.

That's why I hold off not to join NASA FCU.

Ron.

Re: NASA FCU

Anonymous — Sun, 05 Apr 2015 16:08:14 GMT

Hello.

Please, what different forms of proof-of-residence does NASA FCU accept? If anyone has a comprehensive list they could share, that would be awesome! Proof of residence is the only thing holding up my application at the moment.

Thanks.

Re: NASA FCU

sarahlee7 — Sun, 05 Apr 2015 16:39:34 GMT

@Anonymous wrote:
Hello.

Please, what different forms of proof-of-residence does NASA FCU accept? If anyone has a comprehensive list they could share, that would be awesome! Proof of residence is the only thing holding up my application at the moment.

Thanks.

Utility bill? Drivers' license? is usually all it takes to prove where you live.