Have 90 days to reconsider NASA

[pizza1]

Membership that is........

I closed DCU and NASA memberships like 3 weeks ago, because honestly, I only opened them in hopes of getting a CC with them. Well, after several FAILED attempts, I decided wasn't worth it and had too many banks to check all the time. 

Fast forward today, got a letter from the "supervisory department", asking me to reconsider membership again with them, and they would leave my membership open for 90 days from the date of the letter. Also enclosed was a form to fill out on why I left, and a box to check yes or no to keep membership. 

Im thinking of filling it out and telling them I had hoped to be with a credit union that I could have a relationship with including credit products (I really wanted the shuttle Visa for personal and sentimental reasons), but keep being denied, and mention Navy of course. 

Its worth a shot to see if anything comes of it, meaning a CC, lol. Anyway... Should I stick it out a few years, and try again for a card later down the road, and if denied then, close it for good? Thoughts?....

[Anonymous]

I am in the same spot as you.  Signed up for 6 more bank accounts with CU's hoping to be offered an instant approval.  Nothing but $20k automotive preapprovals due to number of new CC accounts in the last 6 months.  I have 2 NFCU accounts, NASA, DCU, SDFCU, and Alliant.  Have between $50 and $100 in each.  I will not close them out for hopes of a preapproval email in the future once all of my hard pulls fall off.  Ironically, after taking hard pulls for a few and getting no offers, I got Chase and Citi cards for $5k SLs.  I do like your strategy though.  Too many choices for you not to be in control of the situation.  Like the CreditKarma commercial, kick your feet up on the desk, tell them what your credit score is and tell them what they need to do for you.

[pizza1]

To their defense, I do have an almost 2 yr old BK, crap load of inquires and new accts. so I shouldn't be too upset that I wasn't approved even for $500. They have a policy on BK, which is 2 yrs post discharge with at least 2 CC accounts with 1-2 yrs history. I jumped the gun on applying, and probably closed it in haste. I'll be 2 yrs in August, so maybe I might try again next year in may after gardening and see what what happens.

[vikingred]

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@Anonymous wrote:

I am in the same spot as you.  Signed up for 6 more bank accounts with CU's hoping to be offered an instant approval.  Nothing but $20k automotive preapprovals due to number of new CC accounts in the last 6 months.  I have 2 NFCU accounts, NASA, DCU, SDFCU, and Alliant.  Have between $50 and $100 in each.  I will not close them out for hopes of a preapproval email in the future once all of my hard pulls fall off.  Ironically, after taking hard pulls for a few and getting no offers, I got Chase and Citi cards for $5k SLs.  I do like your strategy though.  Too many choices for you not to be in control of the situation.  Like the CreditKarma commercial, kick your feet up on the desk, tell them what your credit score is and tell them what they need to do for you.

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^^^THIS.  Get your credit swagger on.

[pizza1]

It's not like I have a lot of power here, lol...but I will do a little groveling and mention Navy and my $14k Visa etc... And see what kind of response I get back. Never know plus they pull EX which is my highest score by far! Lol

[Zorasmiles]

I'd suggest you honestly respond with your intentions of joining but in no way imply it's a credit card or close the account.  Personally, I'd keep the savings open and deposit $25-$50/month and just let it accumulate over time while establishing a relationship with them.  It gives you another well established CU to use for credit products long term.  I'm pretty sure they are getting use to the massive account closures due to "I joined because I thought I'd get a CC with a huge limit".  At the end of the day only you know if they have any true value to you short or long term.  GL.

[cem13]

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@pizza1 wrote:

 Im thinking of filling it out and telling them I had hoped to be with a credit union that I could have a relationship with including credit products (I really wanted the shuttle Visa for personal and sentimental reasons), but keep being denied, and mention Navy of course. 

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I, too, desire the Space Shuttle Visa.  I think it is the best design out there.  I was denied because my file was "outside of Credit Union Scoring guidelines".  I called for recon and the CSR said they only review recons via letter or email.

So I think I am going to ask for $500 SL and sock drawer it.  I supose if I really wanted the card, I could tie up $500 and get a secured card.

[Kostya1992]

Pizza1 gardening??? Wheres Nixon with that laughing guy gif????

[Anonymous]

I thought that was the experian credit tracker commercial lol

[stagefoursurvivor]

NASA has the worst CS on the planet. The criteria for employment seems to be a sub-100 IQ, seriously. I was admonished for a frozen Ex, sent an email to unfreeze if I wanted to be considered for a credit product.

Fine, unfreeze, contact them to process apps, get TWO HPs on Ex followed shortly thereafter by TWO AA letters, 0 score on Ex, unable to access CR!

On further contact, I'm free to jump though flaming hoops and submit a written request for recon???