NASAFCU Credit Line Decrease

Anonymous · ‎10-07-2016

My NSAFCU Cash Visa had and SL of $8700 and recently they decreased it to $1k due to Fico Score, which never changed since my approval. Recently it has gone up 50+ points. Has anyone had this happen and have they had any luck getting their CL back up? Thank you

adelphi_sky · ‎10-07-2016

Wow! That's a big drop for a score that has increased. You may want to find out if they are looking at someone elses's credit score instead of yours. If their score doesn't match your score, something is certainly off and unfortunately it is up to you to state your case.

baller4life · ‎10-07-2016

NASA is known for AA. One of the few CUs that behaves like a bank. 😩 Really weird they stated Fico score as reason yet you said it never changed. Sounds to me that they have adjusted their UW criteria on the fly again. Happened before and they closed and cld accounts left and right that no longer fit their criteria. Not very fond of NASA at all!! 😡

Anonymous · ‎10-07-2016

Yeah, I was beyond livid. Put a ton of $$ through it and alway PIF. Racked up $75 in cash reward in only a few months and then this happens. I called them after my score jumped 50+ points and they said a new app would have to be put in for the CLI.. Forget that.. thinking of just closing my savings and card with them at this point.

adelphi_sky · ‎10-07-2016

That happened to me with Discover. Dropped them like a bad habit. I'll drop any card that drops my CLI like that even though from where I sit, my credit profile didn't get any worse. Personally, a $1000 CL after having $8500 is a joke and wouldn't be worth my time keeping the card anymore.

Anonymous · ‎10-07-2016

@adelphi_sky wrote:
That happened to me with Discover. Dropped them like a bad habit. I'll drop any card that drops my CLI like that even though from where I sit, my credit profile didn't get any worse. Personally, a $1000 CL after having $8500 is a joke and wouldn't be worth my time keeping the card anymore.

@I have to say I agree @adelphi_sky think this might be my next action with NASA.

noobody · ‎10-07-2016

@Anonymous wrote:
My NSAFCU Cash Visa had and SL of $8700 and recently they decreased it to $1k due to Fico Score, which never changed since my approval. Recently it has gone up 50+ points. Has anyone had this happen and have they had any luck getting their CL back up? Thank you

changed or not changed?

EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841

Anonymous · ‎10-07-2016

@noobody wrote:
@Anonymous wrote:
My NSAFCU Cash Visa had and SL of $8700 and recently they decreased it to $1k due to Fico Score, which never changed since my approval. Recently it has gone up 50+ points. Has anyone had this happen and have they had any luck getting their CL back up? Thank you
changed or not changed?

They lowered my CL and stated it was due to my Fico, and that never changed from the day I was approved. Now, recently it has gone up over 50 points and I was hoping they would see that internally (I am using their internal score) but they said it would be a new app. They taketh away, put won't giveth back, after my credit was higher than my starting score.. lol

surehit · ‎10-07-2016

Seems odd that they would do that, but I'm glad I saw this because I forgot that I haven't put ANY spend on my NASA card yet this year. Better go take care of that.

CreditMagic7 · ‎10-07-2016

@baller4life wrote:
NASA is known for AA. One of the few CUs that behaves like a bank. 😩 Really weird they stated Fico score as reason yet you said it never changed. Sounds to me that they have adjusted their UW criteria on the fly again. Happened before and they closed and cld accounts left and right that no longer fit their criteria. Not very fond of NASA at all!! 😡

+1