NASA Declined! What The--???

[Journeygod]

There's nothing there Fin Star. Not even a 'View Application' or 'View Loan' status. It just shows me my application summary.

It seems like they just automatically rejected it.

I don't even know if it's worth caling over there tomorrow.

[FinStar]

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@Journeygod wrote:

There's nothing there Fin Star. Not even a 'View Application' or 'View Loan' status. It just shows me my application summary.

It seems like they just automatically rejected it.

I don't even know if it's worth caling over there tomorrow.

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Oh bummer   I would suggest to give them a ring and see.  If they don't provide the decline reasons until you get the letter, then just wait for it.

Based on the reasons they list, then you can decide whether it's worth pursuing to get them to reconsider.  Which can have a 50/50 success rate.  They have a lending committee that re-reviews them but only meets a few times per week.  Sometimes they stand by the original decision but there have been documented successes for others.  Either way, keep us posted.

[Anonymous]

They are very wishy washy....I got declined with a 715 fico, and when I got the letter in the mail they said I had to many inquiries on my credit report. NOTHING WITHIN THE LAST YEAR, AND A TOTAL OF 3 TOTAL INQUIRIES ON MY REPORT! WHAT A JOKE!

[Anonymous]

Sorry about the denial & the fico scores going down.  I think your utilization is a little too low.  If it's at <1%, they normally report as 0%.  Which will drop your score like it has.  I would keep it  1 to 2%  to be sure.  I have no idea why these cc companies are getting so picky. 

[Journeygod]

Thanks Sandibeach22 and the rest of you guys. I'll spend more money.

Listen to that statement.

A guy has $67,000 in credit and exercises remarkable control (for our times anyway) and he's penalized for it.

"I'll spend more money to show them I can manage money ,so they can give me more of what I'm already managing."

[ddemari]

Nasa uses EX bankcard 3 for approvals