CreditDebitJustGetIt

Lol. Love it. Can you elaborate further please. Elaborate on not recommending them? Or on too many other places that will build an individual relationship with you? Assuming you mean the latter: ​Search the boards - there are some CUs that people seem to think highly of, for more than their huge CLs. I'm not sure (because I don't qualify for some of these), but I've heard people speak well about PenFed and Navy, both of whom grant - similar to NASA - huge CLs for newish or slightly-less-than-stellar stats but (from the little I've read) *seem* to take a bit of a more individual approach to building a relationship with you. Perhaps others can chime in with CU recommendations - for service and relationships, not just easy, huge CLs? I have to chime in again ...I already posted my NASA ordeal on another thread...stop applying they are tightening up. They terminated my 30k line that I did not abuse. People with too much credit and inqs they freak out. They didn't bother to contact me after my recon a week ago now. I have multiple properties which are completely paid for and others with over 50% equity . They don't bother to look at your overall financial situation . They are eratic ...I expect this from Barclays but not a decent sized credit union. NASA is a credit union with Barclays Loyalty ( which is none). Maybe they have alot of turnover...maybe they don't have the knowledge of NFCU and Penfed ,this is not how you treat good members ...in my case to just get a letter ..." We have reviewed your credit report and have terminated your account". Another reason to NEVER put all your eggs in one basket, Why do I belong to 18 credit unions ...ummm this is why. I am going to refi my auto away from them they don't deserve the interest I pay. Back to USAA already approved I will pay .75 higher ...really don't care.

Oh ok, didn't realize you had so many new accounts, thought that was OP. Nonetheless, a response seems in order, as a member with a current (auto) loan even--but now that I recall, wouldn't be surprised if they didn't get back, they're biggish and not always on point with member relations...not sure if at some point they view these types of matters as a member becoming a security risk of sorts and basically summarily cut ties without further ado. You list a number of CU memberships--hope this works out in the end with a silver lining if not reinstated. Yes it's all good ..if no response that's fine. I bet if I wait 18 months they will take me back. They did me good on the auto refi form USAA....NASA pursued me more than I did them I was on the fence on the refi , but it is all good nothing else to do but to accept and move on and or garden.

Oh my.. so there are some out there posts ..not sure...and some critical ones. I just added my 2 cents to the thread ..let's keep it on track. I did have too many inqs and too many new accts I just had hoped a response since I am more than just a VISA customer and I didn't join 2 years ago just to get the 30k VISA. I have been a member since 2010 and still have an auto loan with them. I have had credit lines reduced before but never closed ...as their letter said " terminated" I guess I just expected more which is dumb. When Barclays reduced me like 3 years ago I was mad and closed my accounts. This one stings. Never saw it coming ...guess its a wake up call.

I received an email from branch services on Monday morning that they would forward my email for recon to the VISA review department. I haven't received any response and I am really not counting on it. I can see them reducing the credit line , but just flat out terminating the account is a surprise especially since I have been a member since 2010 and still have an auto financed with them at 40k. Even Barclays hasn't been this rude. My statement dropped last night for the VISA it does show a 0 credit line on the statement. Online services still shows the 30k line and credit available. Curious if this will report closed yet still with a credit line.

Looks like you got your card in Sept, 2014. Have you consistently utilized the line or just occasionally? BT? Score at time of approval vs now? AAOA at time of app vs now? I'm only asking b/c I obtained the cc & ploc in Jan, 2016 & am attempting to draw a correlation of reasoning for the increased AA occurring. I have always had a balance on the card. I used it in the beginning for a Balance Transfer for maybe 10k then paid it off. Last summer they sent balance transfer checks again...I balance transferred 22k then I have gradually paid it down to where it sits now at 9300. Balance promo expired in December so I am paying the regular rate on it now , which mine is 13.15%. I have not charged on it much. But they are making money on me by carrying the balance on it. I am in hopes that this was an automated decision and that since my car is financed with them maybe it will carry some weight. I also told them I own two properties free and clear and 15 years in my current home with good equity, also 20k in a stock account. I told them via email I would be happy to supply documentation for these assets. See if it goes anywhere. Just trying to prove to them that I am not a BK candidate!!! To answer your other questions..I have many accounts so my AAOA doesn't fluctuate a whole lot, I have a few accounts that go back to 1991 and Amex backdated several cards to 2000. Even when I get new accounts I always average 5-7 years on overall account age. My score has dropped to 680-690...when approved I was probably 710-720s. But my score has been lower since last summer and was in that 690 range when they refinanced my car from USAA..so I had a hard pull from them in OCT 2015 and it was no big deal...app spree in November though. That has to be the problem.

Looks like you got your card in Sept, 2014. Have you consistently utilized the line or just occasionally? BT? Score at time of approval vs now? AAOA at time of app vs now? I'm only asking b/c I obtained the cc & ploc in Jan, 2016 & am attempting to draw a correlation of reasoning for the increased AA occurring. I have always had a balance on the card. I used it in the beginning for a Balance Transfer for maybe 10k then paid it off. Last summer they sent balance transfer checks again...I balance transferred 22k then I have gradually paid it down to where it sits now at 9300. Balance promo expired in December so I am paying the regular rate on it now , which mine is 13.15%. I have not charged on it much. But they are making money on me by carrying the balance on it. I am in hopes that this was an automated decision and that since my car is financed with them maybe it will carry some weight. I also told them I own two properties free and clear and 15 years in my current home with good equity, also 20k in a stock account. I told them via email I would be happy to supply documentation for these assets. See if it goes anywhere. Just trying to prove to them that I am not a BK candidate!!!

I too received a letter this weekend...they " terminated" my 30k account to which I owed 9300 on. Never late etc. They refinanced a vehicle loan for me in October, yet now this. I have sent an email to recon. Letter said too many inquiries and new accounts. I do have several new accounts probably 8 in the last 12 months. However no inquires this year...had several in 11/2015 those we the last ones. I was in the garden...but apparently not soon enough!!!!! Ughh.

Capital One is a strange animal indeed, I have an 1800 Cap 1 from 2007 ( credit steps) and I have a converted HSBC 2500 from 2008 now Capital One. I have tried I dunno, 20 times for increases. I never did EO. But, 6 weeks ago I was approved for a 10k Venture...waited a week and was approved for a 2nd 10k Venture...both instant. I had tried for increases on the old cards, before the apps, in between, and after the Venture approvals all denied. Oh well not rocking the boat anymore happy with these approvals.

Whoa - nice. There were a few folks who got approved for 2 cap ones back to back on the Venture - Jumani weekend in August. 10-15K limits on each card. BTW - how many Cap one card do you have total? also my DH has a 500 Cappy 1 from 2007...10k Cappy from 2009...and was instantly approved for a 10K Venture as well with many Inqs as he does no B. Yet again denied increases on the others.....for years!!!

Whoa - nice. There were a few folks who got approved for 2 cap ones back to back on the Venture - Jumani weekend in August. 10-15K limits on each card. BTW - how many Cap one card do you have total? I have an 1800 credit steps from 2007 and a 2450 HSBC from 2008 ....so thats a total of close to 25k in 4 cards....IIB 2004 for 20k...received both Venture Cards no issues no problems

i might be over quoting myself....but "know the system ,work the system".....nothing to do with Cappy One ,but "others" will work you...might as well "work" them first!

So I applied through qualifier Venture Gold instant approved 10k...they pulled Tu and Ex...then 3weeks later B Tu...froze Ex. So then apply for Blue Venture....they pull TU which had 0 inq ...with EX frozen..they pull EQ with 0 inq and BAM approved for another 10k 3 weeks apart instant. Keep in mind I haven't had an increase on my other 2 Cappys since 2008 after maybe 20 requests for increase and everyone denied.

this is the same msg I get every single time...I had a charge off 2004. Not positive if I am BL or not

I kinda want this card now. I have one inq on EQ in a few weeks it will be gone. Lots of new accounts though. But, something to consider on the Horizon.

ok now that sounds encouraging...I will check more often...I had just been checking every 3 months or so. Good to know!