NASA FCU

[Anonymous]

I am trying to find out if NASA FCU is still a soft pull if you apply for a credit card. from what I've read you open an acount and yoy can apply same day as a soft pull? Can someone give me insight that is recent. I'm looking into the card but don't want to do any hard pulls.

[SouthJamaica]

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@Anonymous wrote:

I am trying to find out if NASA FCU is still a soft pull if you apply for a credit card. from what I've read you open an acount and yoy can apply same day as a soft pull? Can someone give me insight that is recent. I'm looking into the card but don't want to do any hard pulls.

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You might want to consider just staying away from them for now, there are many reports suggesting they've gotten cranky these past few months.

[Themanwhocan]

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@SouthJamaica wrote:

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@Anonymous wrote:

I am trying to find out if NASA FCU is still a soft pull if you apply for a credit card. from what I've read you open an acount and yoy can apply same day as a soft pull? Can someone give me insight that is recent. I'm looking into the card but don't want to do any hard pulls.

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You might want to consider just staying away from them for now, there are many reports suggesting they've gotten cranky these past few months.

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Well, NASA uses a FICO 04 score, so its important to have no credit applications for at least 6 months in order to optimize that score. Recent cards can really tank 04 scores.

In the end, if you do use a HP its not the end of the world.

[AverageJoesCredit]

I second SJ. If you have other creditors, Nasa might get jealous and send you to Mars;(.

[baller4life]

Run

[Anonymous]

They have nerfed (oh sorry, "improved") the major credit card so it's now a vanilla 1.5% card.   And at least towards the end of the MyFico rush, the high SL seem to vanish as well.   So while it's probably a higher SL than many Shopping Cart Trick cards, it may not be all that worthwhile even if it is still a SP.

[Themanwhocan]

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@Anonymous wrote:

They have nerfed (oh sorry, "improved") the major credit card so it's now a vanilla 1.5% card.   And at least towards the end of the MyFico rush, the high SL seem to vanish as well.   So while it's probably a higher SL than many Shopping Cart Trick cards, it may not be all that worthwhile even if it is still a SP.

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It still has a space shuttle image on it. That is reason enough to get the card.

Though there are much better ways to get a $30k+ credit limit card, if that is your thing. American Express, Discover, FNBO, NFCU ...

[Anonymous]

Thanks everyone for your responses. I was interested to see if I could add a card without a hard pull and have a decent sl. I'll continue to weight a day or two and decide whether to do it.

[Anonymous]

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@Anonymous wrote:

Thanks everyone for your responses. I was interested to see if I could add a card without a hard pull and have a decent sl. I'll continue to weight a day or two and decide whether to do it.

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No one has mentioned this but if those scores in your signature are accurate then they probably are a bit low for NASA's underwriting.

[Anonymous]

Maybe I missed it or OP knows this but keep in mind tho they will approve or deny a CC without a pull it is because they pulled a hard to open your account to begin with.