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Nasa FCU membership and credit card

happens40
New Contributor

Re: Nasa FCU membership and credit card

My 2 newest cards are Marvel(1 month ago) and Mypoints( about 7 weeks), the others are 5 months to over one year old. 

Message 11 of 18
CreditDunce
Valued Contributor

Re: Nasa FCU membership and credit card


@happens40 wrote:

My 2 newest cards are Marvel(1 month ago) and Mypoints( about 7 weeks), the others are 5 months to over one year old. 


Thank you.  I am considering joining Nasa FCU for the free Ex-98 score.  It is so tempting to join and apply for a CC at the same time...  but I don't have a need for any of their CC's.  Besides, they will probably deny me for having too much available credit. 

Message 12 of 18
baller4life
Super Contributor

Re: Nasa FCU membership and credit card


@CreditDunce wrote:

@happens40 wrote:

My 2 newest cards are Marvel(1 month ago) and Mypoints( about 7 weeks), the others are 5 months to over one year old. 


Thank you.  I am considering joining Nasa FCU for the free Ex-98 score.  It is so tempting to join and apply for a CC at the same time...  but I don't have a need for any of their CC's.  Besides, they will probably deny me for having too much available credit. 


They often deny for too much available credit or too many new accounts.

Message 13 of 18
MssRemaa
Established Contributor

Re: Nasa FCU membership and credit card

Do they pull credit for membership? if so which report? and do they use checksystem?

Current Fico EQ 690 TU 689 EX 651 Goal-780+
In My Wallet- Credit One Visa $1350 Credit One MC $650 Discover it (07/15) $3.9k VS (05/15) $1550 Apple Barclay (08/15) $4K Paypal MasterCard (08/15) 8K Amex ED (08/15) 2K BMW Auto (12/15) BMW Visa (12/15) 2.5K Cabela's Visa 3K (1/16).Virgin America Visa 2.9K (1/16) Care Credit 2K (03/16) Stash Visa 8K (03/16) Capital One QS1 3.5K (03/16) Marvel MasterCard (04/16) $250 Penfed Cash Reward $13,5K Penfed PLOC 8K (04/16) Barneys 4.75K (04/16) Macys $1200 (04/16) NFCU GoR $17.9 (05/16) NFCU CLOC 15K (05/16) Walmart 07/17 $700--Back in the garden until early 2018--- Time to pay down some of these bills
Message 14 of 18
baller4life
Super Contributor

Re: Nasa FCU membership and credit card

They sp EX for membership(some members have gotten hp)and yes they pull Chex

Message 15 of 18
MssRemaa
Established Contributor

Re: Nasa FCU membership and credit card

Thank you baller!!
Current Fico EQ 690 TU 689 EX 651 Goal-780+
In My Wallet- Credit One Visa $1350 Credit One MC $650 Discover it (07/15) $3.9k VS (05/15) $1550 Apple Barclay (08/15) $4K Paypal MasterCard (08/15) 8K Amex ED (08/15) 2K BMW Auto (12/15) BMW Visa (12/15) 2.5K Cabela's Visa 3K (1/16).Virgin America Visa 2.9K (1/16) Care Credit 2K (03/16) Stash Visa 8K (03/16) Capital One QS1 3.5K (03/16) Marvel MasterCard (04/16) $250 Penfed Cash Reward $13,5K Penfed PLOC 8K (04/16) Barneys 4.75K (04/16) Macys $1200 (04/16) NFCU GoR $17.9 (05/16) NFCU CLOC 15K (05/16) Walmart 07/17 $700--Back in the garden until early 2018--- Time to pay down some of these bills
Message 16 of 18
bk510
Valued Contributor

Re: Nasa FCU membership and credit card


@happens40 wrote:

Here are the reasons.  - Credit Scoring Factors Outside of Credit Union Guidelines
- Excessive Recently Opened Trades


Sorry to hear that 40, I was approved with 667, 8k SL, 6 new accounts prior, all with in 6 months.

On BT right now, 7% until BT's paid off, however long it takes.

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 17 of 18
Themanwhocan
Senior Contributor

Re: Nasa FCU membership and credit card

They denied me a credit card when I joined. So, I just used the savings account lightly (basically to pay off other credit cards every few months) and 10 months later when I didnt have any recent applications (during an app spree) I applied again and was given a $30K credit card.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 18 of 18
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