Nasa Credit Union pull question

[travisr0]

I have heard that NASA in the past has given credit cards using a soft pull only? anyone else have experience with this happening?

[elim]

i joined NASA CU = soft pull

I apped and was denied for card = soft pull

[travisr0]

Are you supposed to join the CU before applying for the card itself?

[racer-x]

If you join and then app for a card right away, it's a SP.

I'm not sure what the window is between joining and then apping in order to get a SP on the card.

I joined in Nov, app'd right away, denied, no HP recorded....3 mos later, app'd again, denied, HP on EX....Reconned, denied.

Reason given:  "Too many open/revolving accounts and/or borrowing capacity"

They also pulled the EX mortgage score

[racer-x]

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@travisr0 wrote:

Are you supposed to join the CU before applying for the card itself?

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Most definitely.

[Anonymous]

Joined in October (I think) app'd for Visa two weeks later.  Approved with SP.  App'd for auto loan in December.  Approved with SP. YMMV 

[travisr0]

when you open the account, do you have to wait for the approval for the credit union account before applying for card?

[racer-x]

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@travisr0 wrote:

when you open the account, do you have to wait for the approval for the credit union account before applying for card?

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I would assume so, since you're not actually a member until you're approved...

[travisr0]

Possible to call them and ask to run CC app as a softball or you do it online and just hope for the best?

[joedtx]

I think you are YMMV on this in the latter part of last year  when the was a ton of apps to NASA due to the SP aspect and CL's being handed out it was common, afterwards it became somewhat of a mixed bag some had SP's while others had HP's.