This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.9
Market Comparison
1.9
fees: 5.0
rewards: 0.8
cost: 1.8
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→8.9% - 17.99% Until the balance is paid off|Transfer Fee:$0
Regular APR→13.40% - 17.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
8.9% - 17.99% Until the balance is paid off|Transfer Fee:$0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
1.9
fees: 5.0
cost: 1.5
APR: 1.9
Purchase Intro APR→Not Offered
Transfer Intro APR→8.9% - 17.99% Until the balance is paid off|Transfer Fee:$0
Regular APR→12.4% - 17.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
8.9% - 17.99% Until the balance is paid off|Transfer Fee:$0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
3.0
fees: 5.0
rewards: 2.2
cost: 3.0
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→8.9% - 17.99% Until the balance is paid off|Transfer Fee:$0
Regular APR→17.24% - 17.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
8.9% - 17.99% Until the balance is paid off|Transfer Fee:$0
I received an offer in the mail and was looking for a card to transfer a balance. I went online, completed the application, and was approved. Then they requested financial documents for a credit line of $3,000 instead of the $12,000 for which they had approved me. They had already conducted the hard inquiry, so I decided to accept the card regardless. However, when I submitted the final documents, they rejected me, despite several "congratulations, you’ve been approved" emails. I have excellent credit. What a deceptive practice.
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Product: NASA Federal Credit Union Credit Cards
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0
0
Chad Luke @chadluke952
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1 Star Rating
Incompetent, waste of time! How do you pre-approve my application for the credit card and then one day later deny me? Now I have this on my credit report. That's alright because shortly after, I was approved for the American Express credit card. Don't waste your time here. And do not participate in their CD. Why do I have to wire transfer money to fund the CD? What a bunch of scammers.
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Product: NASA Federal Credit Union Credit Cards
Comment
0
0
Jay Clark @graplazorn
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1 Star Rating
NASA FCU gives me the impression of a small, understaffed bank with outdated computers and software. Their fraud detection system will decline just about any purchase that you make online. They send you a text message asking if you made the purchase, and when you respond "YES," they say, "OK, go ahead and try again!" But your purchase has already been denied and canceled, so now you have to start the whole process over again. DO NOT use the card online; save yourself the headaches. Use the card only at point-of-sale purchases where the card is in your hand. Also, beware of gas pumps; many will not even authorize the card, and if they do, it usually gets declined. From the reviews I have read, I am hesitant to put more than a few hundred dollars in the checking account because of issues with missing money that later appears as a different amount. They are not even on the Zelle Network, which most reputable banks are. YOU HAVE BEEN WARNED! Remember not to use it online, avoid use at gas pumps, and please do not go on a trip and depend on this card as your only source of money. You could be stranded.
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Product: NASA Federal Credit Union Credit Cards
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0
0
Ulises Ocana @ocanau
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1 Star Rating
I recently used their "pre-qualified" tool for their credit card, only to go through the application process and get denied. If I was pre-approved, why did they run a hard credit check just to reject me? This hurt my credit score for no reason. Total waste of time and a frustrating experience. Don't fall for these misleading offers!
Anything short of a miracle will get anyone actually approved for their credit cards. Believe all the negative reviews and save yourself a hard pull.
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Product: NASA Federal Credit Union Credit Cards
Comment
0
0
Bungo @bungonokami999
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1 Star Rating
A few months ago, I signed up for their "Premiere eChecking" account, which stated no monthly fee is charged if you make three BillPay payments. So, I have been making three or more BillPay payments to my credit cards diligently every month. However, I noticed that NASA FCU did charge me the $7 monthly fee for September and October. I tried to dispute this through secure messaging multiple times, but they just wouldn't acknowledge their failure to honor what they advertised on their website: "No monthly maintenance fee - With direct deposit or BillPay+ and eStatements." The original account description page has mysteriously vanished, but it's still recorded on the Wayback Machine site. I always keep screenshots for my records. They employ a very subtle way to take money from their customers, knowing some customers won't monitor account activities carefully.
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Product: NASA Federal Credit Union Credit Cards
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0
0
Stephen Landreth @OllieTamale
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1 Star Rating
Pre-approved for a credit card, then declined after a hard pull. They wasted an inquiry on my Experian. Complete trash and a waste of time. Do not trust their pre-approval tool, and trust all the negative reviews.
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Product: NASA Federal Credit Union Credit Cards
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0
0
Mark Al @ogman1
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1 Star Rating
They're just completely incompetent. Making a credit card payment from an outside institution is next to impossible without a complete hassle. And every single "upgrade" they've made over the years has only made the situation worse. It's no wonder the staff are so grumpy, since management insists on treating members so poorly.
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Product: NASA Federal Credit Union Credit Cards
Comment
1
0
Marnie Labadie @m_labadie1957
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1 Star Rating
What an annoying waste of my time! Received a 'special offer invitation by mail,' which I responded to and, after running my credit report, got an 'approved' email stating they just needed a copy of my driver's license. The email provided me with the approved credit line of $10k and the applicable interest rate. I uploaded my driver's license through their portal, but they still sent me 2 more email requests for the driver's license. Once they finally "received" my driver's license, they sent an email rescinding the previous credit card approval! I emailed them and was told it was because they were unable to get my credit report. What??!!
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Product: NASA Federal Credit Union Credit Cards
Comment
1
0
katrobair @katrobair
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1 Star Rating
Verified Customer
When you combine an overly zealous fraud department with an antiquated customer service process, you get 1 star. NASAFCU decided to flag a FB purchase and then call me at a number we haven't used for years to verify. When I understandably didn't respond, they proceeded to report my credit card as Lost/Stolen. I found out about this when I tried to charge food at an airport before leaving the country for a month! Due to the time zone changes and their strictly 9-5 business hours, I couldn't contact anyone until I returned home. I was then told by LaTanya (who was wonderful) that they had both let me a VM and emailed me. However, no emails were sent to the account where they usually notify me. LaTanya then said she would mail me a replacement card that would arrive in 7-10 days. When I asked the card to be overnighted to me, I was told it would cost me $30 to pay for their mistake? Really?? Id' also like to add that I had been making regular payments on this card during this time so my credit wouldn't be damaged by their incompetence.
This is the second time their fraud department has been out of control. Several years ago they took it upon themselves to report my two cards lost/stolen (spoiler alert: they weren't) and cancel my cards a month before Christmas! My new cards arrived in January.
They have a pattern of disappointing service. There are many better options out there, please use them.
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Product: NASA Federal Credit Union Credit Cards
Comment
1
0
Braxton Greenwood @eltorobrax
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1 Star Rating
Trash! Pre-approved, then declined, unable to verify the information. I sent everything except my blood type to these people. I still had to call and email them to see what was going on, only to get a half-hearted response. "We reviewed the information and it is still declined"... Okay, when were you all going to tell me that? Who is reviewing this information because my credit score is above 750 and I make $165,000 with tax returns and bank statements provided. Still, no response or reasoning. Very strange, and I regret even wasting my time.
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Product: NASA Federal Credit Union Credit Cards
Comment
1
0
Review NASA Federal Credit Union Credit Cards
NASA Federal Credit Union Credit Card Q&A
Get answers to your questions about NASA Federal Credit Union Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can find the current NASA Federal Credit Union credit card payment address listed on your monthly statement. You can also find it by visiting NASA Federal Credit Union's website or calling customer service at the number on the back of your card.
When paying NASA Federal Credit Union credit card bills by mail, be sure to submit either a check or money order for the payment amount. NASA Federal Credit Union does not accept cash.
Tips for Mailing NASA Federal Credit Union Credit Card Payments
Include your credit card number on your payment to avoid processing delays.
Send only one check or money order per billing statement.
Allow enough time for NASA Federal Credit Union to receive your payment on or before the due date, or it will be considered late.
Send your payment via overnight mail, if necessary.
Mailed payments take the longest to process of all the available credit card payment methods. Alternatively, you can submit a payment from your online account or by calling customer service. You can learn more about how to pay your credit card bill here on WalletHub.
You can check for NASA credit card pre-approval online by clicking on "Check your rate" under the card of your choice. You'll need to complete a brief form and if you qualify, you'll be shown the rate and credit limit you'd likely receive.
NASA FCU will also send out pre-approved offers in the mail for customers they find eligible for such an offer.
Keep in mind that neither pre-qualification nor pre-approval guarantee actual approval for...
They need your SSN because they got to verify your identity somehow. And yes, the balance transfer rate is still 7.9%. But only if you do the transfer within 90 days of account opening. Regular rate could be up to 18% though.
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by WalletHub: NASA Federal Credit Union Platinum Advantage Rewards Credit Card, NASA Federal Credit Union Classic Credit Card, and NASA Federal Credit Union Platinum Cash Rewards Credit Card.
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