NASA FCU Pre-Approval

Misfit88 · ‎08-12-2021

What's going on FICO fam! I've been doing a lot of reading here and just taking some good advice. I was messing around with some pre-approvals and I'm pre-qualified for the Platinum Cash Rewards card with a special lifetime balance transfer APR of 11.9%(not worried about that), purchase APR of 14.99%, and a credit limit of 19,300$. That's the highest limit I've ever been approved for! I want to take the offer just for the CL, but I can't see myself really using this card. Decisions, decisions...what should I do?

Current FICO 8 Scores - EX: 756 - EQ: 727 - TU: 750

Discover IT Cash Back- $6,500
Goldman Sachs Apple Card- $7,000

American Express Gold- NPSL ($7,500 POT)(AU)
Bank of America Cash Rewards- $18,400 (AU)
Citi Custom Cash- $4,300 (AU)
Chase Amazon Prime Whole Foods- $1,700 (AU)
NBKC Business Cash Preferred- $3,000

CreditCuriosity · ‎08-12-2021

We should move thread to applications while you decide

Anonymous · ‎08-12-2021

Save it for a rainy day

coldfusion · ‎08-13-2021

@Misfit88 wrote:
but I can't see myself really using this card.

That tells you everything that you need to know. Save your inquiries for cards that you will use.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Misfit88 · ‎08-13-2021

Thanks guys! I've come a long way getting my scores where they are now. I'm not embarrassed to talk about my credit anymore lol. It's just nice to see pre-approvals with high limits. I'm very competitive. Even though we are one, I want to have credit limits like my wife, but I have to realize that her journey was different from mine. She has a BoA Custom Cash card with a limit of 10,200$ that just got increased to 15,200$!! She added me as an authorized user but it's not the same as having my own limits like that. I'll get there though. Hard work and dedication pays off.

Current FICO 8 Scores - EX: 756 - EQ: 727 - TU: 750

Discover IT Cash Back- $6,500
Goldman Sachs Apple Card- $7,000

American Express Gold- NPSL ($7,500 POT)(AU)
Bank of America Cash Rewards- $18,400 (AU)
Citi Custom Cash- $4,300 (AU)
Chase Amazon Prime Whole Foods- $1,700 (AU)
NBKC Business Cash Preferred- $3,000

Mr_Mojo_Risin · ‎08-13-2021

@Misfit88 wrote:
Thanks guys! I've come a long way getting my scores where they are now. I'm not embarrassed to talk about my credit anymore lol. It's just nice to see pre-approvals with high limits. I'm very competitive. Even though we are one, I want to have credit limits like my wife, but I have to realize that her journey was different from mine. She has a BoA Custom Cash card with a limit of 10,200$ that just got increased to 15,200$!! She added me as an authorized user but it's not the same as having my own limits like that. I'll get there though. Hard work and dedication pays off.

Having a pre-approval for that amount shows that you're definitely getting there lol.

So, you would have a really good chance of higher limits than your wife if you wanted 😁

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL

Atlascedar · ‎08-14-2021

I had been pre approved for 15K from NASA, I apped and was countered with 5K. I accepted, not to waste a hard inquiry.

At the same time, NASA approved me for an auto loan for 35K @ 3.08% interest for 60 months ( no further pull).

Anonymous · ‎08-14-2021

@Misfit88 wrote:
... I'm pre-qualified for the Platinum Cash Rewards card with a special lifetime balance transfer APR of 11.9%(not worried about that), purchase APR of 14.99%, and a credit limit of 19,300$ ...

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