![]() Now as far as how much your gonna be approved for, that’s a story for the gods.Ībsolutely, and much of that really wasn't the source of the irritation. The irony is they are requesting POI which anecdotal evidence suggests that they’re actually considering u for an approval. And if the card wasn’t NEEDED then why apply for it in the first place.Īlthough I must admit with your scores and few details of ur credit profile, the denial reasons doesn’t quite make sense. And if you “cant send your tax returns or bank statement to lord knows who in an office somewhere for some random Visa card” in that same token, the bank wouldn’t lend their money to “some random person sitting behind a computer in God knows where” without first verifying their identity and source of income. Your credit report is just one out of many factors lenders consider before approving request for credit. Your credit report does not reflect your income so it is standard and very normal of them to request bank statements and tax returns to verify your income before extending credit. not at all worth the gymnastics for a card that's not actually NEEDED the information you need to make a deicision is all within the credit reports.Īgain - really. Last 3 bank statements? Again, they're not handing out a 30, 40 50k card. Not to mention - having proved residence within the last 30 days already. Utility bill? I think we've quite clearly proved residence considering the volume of correspondance theyve sent me and I've replied to. I own two businesses and "proof of income" for me is tax returns, I'm not sending off my tax returns to lord knows who in an office somewhere for some random Visa card with a low limit - that's not happening. Some of it I expect, license to prove ID. Reconsideration requests that are incomplete and/or do not have sufficient information included will not be considered."Īll this for what would probably end up being a toy limit - not some $50k card. A detailed reconsideration letter explaining your reasons for appeal and including supporting documentation must be emailed to. That's not an 850 - but it's not a 400.). So, did that, explained that their (3) reasons given for denial didn't make any sense as they cited "lack of comparable credit" (so the 20k card at Navy isn't "comparable"?), insufficient length of credit (AAoA 9y) and low credit score (The pulled Exp at 737 on 10/16. The response was that that was the correct place to be communicating regarding a recon (in the private message system) and to please submit my reasoning for recon there. For whatever reason, the email kept being pinged back to me, so I sent them a message from within my account page and explained the situation of the email. I have plenty of cards and lines of credit, including with NavyFCU already anyhow). I contacted them regarding card reconsideration (this doesn't have anything to do with being disgruntled in any way. Their left hand has no idea what their right hand is doing. Just as a sort of rant I suppose, but it's become rather clear the NASA FCU is just not worth the headache at all.
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