Consider NASA...questions

[Anonymous]

I applied last week and still seems to be the case.

Two questions that I am sure have already been answered: what score are they using?  Just got my Credit Score Notice, which has a 320-844 range.

Also, is there a way to find the APR before the statement cuts, don't see it online, and don't have the card/mailer yet.

[mountainmom]

Longtimelurker...

I just spent 20 minutes trying to find the rate again! I knew I'd seen it SOMEWHERE. It's on your approval email. And no, you won't find it by searching the word "nasa" oddly enough! At least in gmail.

Try searching "credit card approval" or "nasafcu" 

As far as the FICO, I read on another thread it's FICO 04.

[Anonymous]

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@mountainmom wrote:

Longtimelurker...

I just spent 20 minutes trying to find the rate again! I knew I'd seen it SOMEWHERE. It's on your approval email. And no, you won't find it by searching the word "nasa" oddly enough! At least in gmail.

Try searching "credit card approval" or "nasafcu" 

As far as the FICO, I read on another thread it's FICO 04.

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Thanks, never received an email about the credit card, just appeared in my account and in my credit report.  Hopefully get the card soon and that will have the info

[mountainmom]

Just noticed something interesting:

I applied for the Cash Rewards card. My approval email says Cash Rewards. But when I look at the "View Loan" page where you check your status, it says Advantage Rewards. Hmmm...Also when I log into my account and click the "Rewards" balance section it takes me to the "Advantage Rewards" page. I may not mind advantage if I could get the 9.99% rate, but at 14% I need better rewards.

Can anyone else who got the  Cash Rewards  see what their loan document says? I don't know if my card will EVER arrive lol.

[FinStar]

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@Anonymous wrote:

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@mountainmom wrote:

Longtimelurker...

I just spent 20 minutes trying to find the rate again! I knew I'd seen it SOMEWHERE. It's on your approval email. And no, you won't find it by searching the word "nasa" oddly enough! At least in gmail.

Try searching "credit card approval" or "nasafcu" 

As far as the FICO, I read on another thread it's FICO 04.

---

Thanks, never received an email about the credit card, just appeared in my account and in my credit report.  Hopefully get the card soon and that will have the info

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I believe you can still contact them to find out the APR.  Mine was definitely on the 1st email they sent when I was approved (before it was funded).  So, what CL did they give you LTL?  And, btw, congratulations!!!

[FinStar]

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@mountainmom wrote:

Just noticed something interesting:

I applied for the Cash Rewards card. My approval email says Cash Rewards. But when I look at the "View Loan" page where you check your status, it says Advantage Rewards. Hmmm...Also when I log into my account and click the "Rewards" balance section it takes me to the "Advantage Rewards" page. I may not mind advantage if I could get the 9.99% rate, but at 14% I need better rewards.

Can anyone else who got the  Cash Rewards  see what their loan document says? I don't know if my card will EVER arrive lol.

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Not sure if this helps but the email confirmation I received was as follows and the e-Docs doesn't explicitly state anything about the actual card/produt type:

[mountainmom]

Wow this thread was all the way down on page 6 now lol.
I just heard back from Nasa. Very weird. She said I was changed from the cash rewards to the advantage because the 7.9 bt promo is only on the advantage! Ummm that's not what it says on the terms and agreement page. It shows the 7.9 on all the cards. So weird.
But my Apr did go from 14.9 to 10.9 so I prob won't argue. I have better rewards card and if I want a 2% card I'll get the double cash card.
Just thought it was weird she would say that when their site says different.
STILL haven't got my card yet.

[xtdefy]

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@mountainmom wrote:
Wow this thread was all the way down on page 6 now lol.
I just heard back from Nasa. Very weird. She said I was changed from the cash rewards to the advantage because the 7.9 bt promo is only on the advantage! Ummm that's not what it says on the terms and agreement page. It shows the 7.9 on all the cards. So weird.
But my Apr did go from 14.9 to 10.9 so I prob won't argue. I have better rewards card and if I want a 2% card I'll get the double cash card.
Just thought it was weird she would say that when their site says different.
STILL haven't got my card yet.

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It states on their site that it's for the Platinum Advantage card

https://www.nasafcu.com/btfixed/

FIXED APR* BALANCE TRANSFERS FOR LIFE

Platinum Advantage Rewards Credit Card

For every dollar you spend, you'll earn points to use toward travel or merchandise rewards. Points are easy to redeem online or by phone.

- No-fee Fixed APR* Balance Transfers as low as 7.9% APR* 

- Earn 1 point for each $1 to use for travel and merchandise rewards

- Pay no annual fee and no balance transfer fee*

- Credit limits available up to $30,000

[Anonymous]

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@xtdefy wrote:

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@mountainmom wrote:
Wow this thread was all the way down on page 6 now lol.
I just heard back from Nasa. Very weird. She said I was changed from the cash rewards to the advantage because the 7.9 bt promo is only on the advantage! Ummm that's not what it says on the terms and agreement page. It shows the 7.9 on all the cards. So weird.
But my Apr did go from 14.9 to 10.9 so I prob won't argue. I have better rewards card and if I want a 2% card I'll get the double cash card.
Just thought it was weird she would say that when their site says different.
STILL haven't got my card yet.

---

It states on their site that it's for the Platinum Advantage card

https://www.nasafcu.com/btfixed/

FIXED APR* BALANCE TRANSFERS FOR LIFE

Platinum Advantage Rewards Credit Card

For every dollar you spend, you'll earn points to use toward travel or merchandise rewards. Points are easy to redeem online or by phone.

- No-fee Fixed APR* Balance Transfers as low as 7.9% APR* 

- Earn 1 point for each $1 to use for travel and merchandise rewards

- Pay no annual fee and no balance transfer fee*

- Credit limits available up to $30,000

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does anyone know if its still soft pull ? i got my averse letter today says they could not verify my resident, employment or identiy even after i sent all my papers. Experian score 740 (now 753). But i applied another card last week when i found out they denied me so wondering if i reapply if its still soft pull and will they see i have recently obtained new credit. 

[FinStar]

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@Anonymous wrote:

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@xtdefy wrote:

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@mountainmom wrote:
Wow this thread was all the way down on page 6 now lol.
I just heard back from Nasa. Very weird. She said I was changed from the cash rewards to the advantage because the 7.9 bt promo is only on the advantage! Ummm that's not what it says on the terms and agreement page. It shows the 7.9 on all the cards. So weird.
But my Apr did go from 14.9 to 10.9 so I prob won't argue. I have better rewards card and if I want a 2% card I'll get the double cash card.
Just thought it was weird she would say that when their site says different.
STILL haven't got my card yet.

---

It states on their site that it's for the Platinum Advantage card

https://www.nasafcu.com/btfixed/

FIXED APR* BALANCE TRANSFERS FOR LIFE

Platinum Advantage Rewards Credit Card

For every dollar you spend, you'll earn points to use toward travel or merchandise rewards. Points are easy to redeem online or by phone.

- No-fee Fixed APR* Balance Transfers as low as 7.9% APR* 

- Earn 1 point for each $1 to use for travel and merchandise rewards

- Pay no annual fee and no balance transfer fee*

- Credit limits available up to $30,000

---

does anyone know if its still soft pull ? i got my averse letter today says they could not verify my resident, employment or identiy even after i sent all my papers. Experian score 740 (now 753). But i applied another card last week when i found out they denied me so wondering if i reapply if its still soft pull and will they see i have recently obtained new credit. 

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It could go either way, SP or HP.  If you have a monitoring service then you can check (still EX).  And, yes, if you applied again last week for another product, it will be a new inquiry (SP or HP) and they will see your new friends.  They don't go by old SPs.