NASA CC declined, not advised to apply for more

[titanium_bbx]

Thanks, beautifulblaquepearl! 

[titanium_bbx]

"May I ask what is your Experian score? NASA usually pulls Experian. "

Musiclover,
Looking back it was 670 Exp Fico 8 that day. Pretty sure Bankcard 8 score was 690. 

Payment history: good, Amount of Debt: Fair (32% util), Length of History: Good, Amt of New Credit: Poor, Credit Mix: Exceptional. Risk rate 13%
4 INQs

[titanium_bbx]

Thanks everyone, I appreciate the time you gave to post. This community rocks

Iwantafabulousfico

- Yes, that is kind of what I am sensing. I guess I'll find out what they specifically didn't like about my file in the denial letter. I do have a feeling its not something I can "fix".

ddemari

lg8302ch

UncleB

-  Thanks for your nudge. I'm gonna let it sit for a few (I have 30 days from original app), and see how I feel about it once I'm detached. CSR also mentioned they would likely need income verifcation (not just words, documentation to backup why I have any blemishes). They had already wanted ID and proof of Address and a bunch of other stuff which I scanned and sent, geez. I have things coming and going from the report this month which may change things, to what degree I'm not sure... so going to pay down a few things, as planned, and see how that all fares. Also, like to see the decline letter and their specific reasons, to at least know what I am countering with. When the denial letter comes, I'll post the info for others so they can get a clue as to what NASA looks for. 

I did get Penfed account and 1600 Visa the day before I app'd NASA (another 1600 card isn't really what I was going for, long term picture, but at least something). FYI Penfed did deny a PLOC with --
Past or present delinquent account(s).
Insufficient installment payment history.
Length of time accounts have been established.

... sure, I have some delinquents from 2014 (none since), but the other two I was not expecting. These two CU's had very different rejections than what I usually get.

Thanks again everyone!

Edited to add:
Penfed Amex denial reasons:
DELINQUENT PAST/PRESENT OBLIGATIONS
PYRAMIDING DEBTS

[Anonymous]

Congratulations on your new PenFed card. I love PenFed! Good luck with whatever you decide to do with NASA. I think I was just lucky when I applied. My Experian account looked good at the time.

[ddemari]

congrats on penfed, i love penfed they are very nice and their interface is easier to deal with. I have a share with nasa and always declined for credit products. i would have to deal with that website more frequently yet I still one day want a card lol.