NASA FCU Million$ CL!

[stagefoursurvivor]

Irish,

Happy St. Paddies Day!

Does the PLOC report on the CRs? How? Only if it's used?

I'm not unfreezing Ex for NASA until some new $5K+ TLs report prolly in the next 30 days.

Just curious what PLOCs effect are on CRs

[Anonymous]

I was in the same situation with my credit union. after 3 month went and applied for a cc and was denied. Big flat no: with the same " limited credit experience blah blah blah".

So I went to BoA applied for a secured card with 2000 limit graduated to an unsecure card 8 months later and went back they approved me for a 5k cc.

[Anonymous]

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@stagefoursurvivor wrote:

Irish,

Happy St. Paddies Day!

Does the PLOC report on the CRs? How? Only if it's used?

I'm not unfreezing Ex for NASA until some new $5K+ TLs report prolly in the next 30 days.

Just curious what PLOCs effect are on CRs

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Almost the big day.  I'm ready and have my drinking boots all shined up.

I don't have a PLOC from them but I assume it's like other credit unions.  It reports regardless of whether you use it or not as shows as a line of credit

[itguy_65]

Yes, that is correct.  The NASA PLOC reports to all CRs as Line of Credit, whether it has a balance or not.

[Scupra]

sidenote, bait and switch thread subjects are not cool lol

[racer-x]

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@racer-x wrote:

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@IMCUTE2 wrote:

Hi Stagefoursurvivor,

I was approved for NASA products last week. I became a member in October of 2014.  I wasn't ready to apply for anything as I was getting my utilization down.  That was a soft pull as you already know.  When I applied for CC'S Feb. 24, 2015 it was a hard pull on EX the score NASA used to extend me credit is the mortgage score.  For me this was 736 and they gave me 31K in credit over 2 cards my utilization is down to 1% I hope this helps. 

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What she said...

Membership in Nov, appd for cc immediately, denied.  Scores, high 690's, low 700's.  Can't remember the reason.

2 wks, app'd again, HP on EX, denied.  They pulled a 686 EX which was my mortgage score on EX.  Sucked because myFico EX 08 was 717 and the EX Bankcard 08 was 729.

Single Reason for denial:  "Too many open revolving accounts and /or borrowing capacity".  $150k+ available credit, $100k income.

I sent a recon letter via their 'emailbox' secure messaging on the 4th...haven't heard anything back yet.

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I sent another letter a couple days ago....still no response concerning a recon of the denied CC app.

Not really too concerned at this point....just trying to not waste that HP.

WTH is their dealio?

[Anonymous]

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@racer-x wrote:

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@racer-x wrote:

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@IMCUTE2 wrote:

Hi Stagefoursurvivor,

I was approved for NASA products last week. I became a member in October of 2014.  I wasn't ready to apply for anything as I was getting my utilization down.  That was a soft pull as you already know.  When I applied for CC'S Feb. 24, 2015 it was a hard pull on EX the score NASA used to extend me credit is the mortgage score.  For me this was 736 and they gave me 31K in credit over 2 cards my utilization is down to 1% I hope this helps. 

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What she said...

Membership in Nov, appd for cc immediately, denied.  Scores, high 690's, low 700's.  Can't remember the reason.

2 wks, app'd again, HP on EX, denied.  They pulled a 686 EX which was my mortgage score on EX.  Sucked because myFico EX 08 was 717 and the EX Bankcard 08 was 729.

Single Reason for denial:  "Too many open revolving accounts and /or borrowing capacity".  $150k+ available credit, $100k income.

I sent a recon letter via their 'emailbox' secure messaging on the 4th...haven't heard anything back yet.

---

I sent another letter a couple days ago....still no response concerning a recon of the denied CC app.

Not really too concerned at this point....just trying to not waste that HP.

WTH is their dealio?

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Recons are difficult and slow with them.  Apparently they have some committee that meets every so often to look at reconsiderations