Which one to App First: NASA or NFCU?

[Anonymous]

@lhcole77

How is your PLOC set up with NASA? 

Do you have 100% cash access to the full amount? For example, if you have a $10K access line can you have them cut a cashier's check for the full $10K or do a wire transfer to another bank/CU for that amount? I ask because I buy repo'd property at auctions and the lenders only take cashier's checks or bank wire transfers for payments. 

Also to anyone else that does have a PenFed or NFCU PLOC or BLOC please chime in on how the lines can be used by you at these CU's. 

Thanks

[lhcole77]

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@Anonymous wrote:

@@lhcole77e77

How is your PLOC set up with NASA? 

Do you have 100% cash access to the full amount? For example, if you have a $10K access line can you have them cut a cashier's check for the full $10K or do a wire transfer to another bank/CU for that amount? I ask because I buy repo'd property at auctions and the lenders only take cashier's checks or bank wire transfers for payments. 

Also to anyone else that does have a PenFed or NFCU PLOC or BLOC please chime in on how the lines can be used by you at these CU's. 

Thanks

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I have access to the full amount. I transfer directly to NASA savings (using iPhone app) and then transfer that to USAA. Both transfers are fee free for me and full transfer amount is available immediately.

 There is also an option of having a check withdrawal from the account and that will be mailed to the address listed with the credit union, most likely your home address. 

[Anonymous]

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@Anonymous wrote:

Did you app yet?

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CAPTOOL, I was waiting for your approval to proceed with that big blue button graphic you put on other threads =)  Haha

Not yet, I'm waiting another for 1 month because...

1. I'm racking up $2000+ (~70% util) on my QS1, then PIF a couple days before the statement cuts.
2. Ask for a PC to QS + a nice CLI (rep says I qualify but had to wait until 6mo is done, hopefully the 70% then PIF will help even more) + maybe an APR reduction.  Probably good timing for my first contact with the EO.
3. Another round of Comenity Luv button.

Gives my thin file 1 more month to boost the short AAoA.

Also I'm curious on what "game changer" card that Cap1 is supposedly coming out with soon.

[Anonymous]

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@Anonymous wrote:

If the Chase Ink is a "must have," why would you not app that first? If you are looking at Chase I would suggest to app those first before the others. Seems like your cc want list has grown since your first post. lol

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Yeah I'm definitely bumping up Chase to 1st.  As long as my personal banker friend says he can get me past the 5 card in 2 year rule.  3 CCs and 2 store cards are less than 2 years old.  In 6 months from now I can easily rack up the max rewards on the Ink 5% categories.  *crossing fingers*

I think everyone who joins myFICO forum has their want list grow .  We see stories of fellow members like 12njoy that have had phenominal growth in 2 years *thumbs up*

[Anonymous]

When I joined Nasa a few months ago I applied for a credit card 1st and after I was approved I was automatically given a membership.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Did you app yet?

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CAPTOOL, I was waiting for your approval to proceed with that big blue button graphic you put on other threads =)  Haha

Not yet, I'm waiting another for 1 month because...

1. I'm racking up $2000+ (~70% util) on my QS1, then PIF a couple days before the statement cuts.
2. Ask for a PC to QS + a nice CLI (rep says I qualify but had to wait until 6mo is done, hopefully the 70% then PIF will help even more) + maybe an APR reduction.  Probably good timing for my first contact with the EO.
3. Another round of Comenity Luv button.

Gives my thin file 1 more month to boost the short AAoA.

Also I'm curious on what "game changer" card that Cap1 is supposedly coming out with soon.

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[Anonymous]

@lhcole77

Can you have NASA create a cashier's check to mail to you for the line amount if you wanted or to where ever you want them to mail it or have them do a bank wire transfer directly from the line? If not, the latter would work with how you outlined it.

PLOC -==> NASA savings/checking account  ==> USAA (a person's main bank account) ==> bank wire/cashier's check.

Thanks

[lhcole77]

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@Anonymous wrote:
When I joined Nasa a few months ago I applied for a credit card 1st and after I was approved I was automatically given a membership.

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And did you get HP or SP with this method?

[lhcole77]

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@Anonymous wrote:

@@lhcole77e77

Can you have NASA create a cashier's check to mail to you for the line amount if you wanted or to where ever you want them to mail it or have them do a bank wire transfer directly from the line? If not, the latter would work with how you outlined it.

PLOC -==> NASA savings/checking account  ==> USAA (a person's main bank account) ==> bank wire/cashier's check.

Thanks

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To be honest, I don't know. You can go on NASA's website and ask via chat.

[Anonymous]

1 HP