Consider NASA...questions

[FinStar]

Ooopsie my post went blank on mobile device. So, I'm curious, what happens to applications that go from Pending to Incomplete?

[subwaysandwich]

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@lhcole77 wrote:

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@subwaysandwich wrote:

What exactly is so special about NASA or its CC besides the huge credit line?...

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Lower APRs than big banks. Great loan rates.

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Thanks for your answer. Does it offer the LOWEST APRs and have the GREATEST loan rates of all the credit unions? If no to either, which credit union does?

[lhcole77]

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@subwaysandwich wrote:

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@lhcole77 wrote:

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@subwaysandwich wrote:

What exactly is so special about NASA or its CC besides the huge credit line?...

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Lower APRs than big banks. Great loan rates.

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Thanks for your answer. Does it offer the LOWEST APRs and have the GREATEST loan rates of all the credit unions? If no to either, which credit union does?

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I have an SDFCU Visa at 6.99%. That's one of the lowest I've seen. I don't think NASA has the lowest rates, but they are great nonetheless. From what I've read they are a powerhouse and they certainly can back what they are doing.

If you can get in with SDFCU and have a 720+ EX score you may qualify for their best terms too.

[Anonymous]

Sorry to hijack, but hoping someone could answer htis and I don't much want to start a whole new thread.

For address verification, if the utility bills aren't in my name, what option do I have?

[Slim1Der]

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@Anonymous wrote:

Sorry to hijack, but hoping someone could answer htis and I don't much want to start a whole new thread.

For address verification, if the utility bills aren't in my name, what option do I have?

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They should accept bank statements or another credit card bill. It has to be recurring dated no later than 30 days that was sent to the address you used on your application.

[jsucool76]

I joined today, and I'm so tempted to app for a card. How much work is it? How much documentation to they require? Address confirmation income confirmation, identity confirmation? Am I gonna need to send them tons of stuff?

[skigirl916]

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@jsucool76 wrote:
I joined today, and I'm so tempted to app for a card. How much work is it? How much documentation to they require? Address confirmation income confirmation, identity confirmation? Am I gonna need to send them tons of stuff?

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For membership, they wanted a copy of my SS card.  Crazy.  I gave them my passport instead, and they appoved it right away.

For CC, they wanted pay stubs. 

[skigirl916]

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@Jlu wrote:

Stop, you're making everyone paranoid 

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Should everyone blindly follow a few? 

Y'all need to read all the other forums/boards about this, including all the denials, and HPs.  I am not alone.  Manual reviews have been had, reversals of original approvals included. 

[skigirl916]

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@FinStar wrote:
Ooopsie my post went blank on mobile device. So, I'm curious, what happens to applications that go from Pending to Incomplete?

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You can go back in with your email and access your working application. 

[B335is]

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@jsucool76 wrote:
I joined today, and I'm so tempted to app for a card. How much work is it? How much documentation to they require? Address confirmation income confirmation, identity confirmation? Am I gonna need to send them tons of stuff?

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My membership was instant approved, followed by instant approved credit card.  I uploaded my driver's license and utility bill for membership just so they wouldn't have to ask.  Nothing uploaded for the card and it was funded in about 36 hours.  I applied for PLOC yesterday and uploaded 2 months of paystubs, it's pending.

I think they have it set up well, so it's pretty easy to upload the various documents.  Some apps I've seen are asking for documents up front, some aren't.  AS CU's are concerned they seem pretty lenient on the docus required.