Nasa federal credit card

Payment Example: A $20,000 auto loan financed with NASA Federal at 6.84% APR for 63 months will have a monthly payment of $378.76. 2 Monthly payment reduction claim is based on average payment reduction our members experience with their new loan (same term or longer) disbursed between 1/1/2023 - 12/31/2023, compared to their prior monthly ...

11 Oct 2023 ... In this video we cover one of the largest credit unions that offer high limit credit cards, line of credit up to 30k and a personal loan up ...Could you share your experience with other CUs: soft or hard pull, which credit bureau they used? Let add to the following list . CUs with soft pull for membership: - Alliant CU . CUs with hard pull for membership: - NFCU (EQ ) - PenFed (EQ) - DCU (EQ) - NASA Federal CU (Confirmed by online chat agent).No Annual Fee Credit Cards * Nationwide Access to 36,000 surcharge-free ATMs and 5,600 Shared Branches; ... 2 A Complimentary Portfolio Analysis is a no cost, no obligation consultation with a CFS Licensed Financial Advisor at NASA Federal Credit Union. Our experienced advisors will provide a comprehensive review of your existing portfolio to ...Payment Example: A $10,000 personal loan financed with NASA Federal at 10.09% APR for 60 months will have a monthly payment of $212.91. For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328). Check Your Rate.Here's my timeline: Day 1 - Started application and got approval. Initiated link via Ally Bank. Day 2 - Verification deposits arrived at NASA FCU. Verified link via Ally Bank. Initiated transfer. Day 3 - Funds arrived at NASA FCU. Used Live Chat to fund certificate. Day 4 - Certificate open and funded.14 Nov 2023 ... Regardless of the type of loan you're looking for, NASA Credit Union is an excellent place to start your search. They have extremely competitive ...Select Apply Now to apply for a Business Equipment Loan from NASA Federal Credit Union. Business credit cards and loans are only available for approved industries. Business must be located and operating within Maryland, Virginia, and the District of Columbia to be eligible. For more information, please contact: Business Accounts 301-249-1800 ...Experience: NASA Federal Credit Union · Education: Averett University · Location: Washington DC-Baltimore Area · 500+ connections on LinkedIn.

A ghost credit card is a credit card number assigned to a business department available for use by multiple employees. Ghost credit cards are sometimes issued in lieu of a traditio...VISA® credit cards with low fixed rates on purchases, cash advances and balance transfers and no hidden fees or penalty rates. Nationwide account access at a network of more than 3,600 branches in 46 states. Free cash when you need it at free and surcharge-free ATMs located conveniently where you live, work, shop and travel, including over ...The NASA Federal Credit Union has a new credit card at the convention that many "Star Trek" fans think is out of this world. The NASA Federal Credit Union has a new credit card at the convention ...Premier Checking Account: Dividends: There are no dividends paid on this checking account. Minimum Balance Requirements: There is no minimum balance required to open or maintain this checking account. Transaction Limitations: There are no transaction limits. Fees and Charges; Other Requirements: A monthly account fee will be assessed on the ...NASA Federal Credit Union takes the security of personal and account information very seriously. If you have been affected by financial malware or any other scam involving your personal financial information at NASA Federal Credit Union, please notify us immediately at [email protected] or by calling 301-249-1800 or toll-free, 1-888-NASA-FCU ...You are now leaving nasafcu.com and entering a third party website that is not part of NASA Federal Credit Union. The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page.You are now leaving nasafcu.com and entering a third party website that is not part of NASA Federal Credit Union. The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page.The text message will always be branded with NASA Federal's name and will appear as: NASA Federal Fraud Alert; however, if you ever have questions about whether or not a text message is from NASA Federal, please call us toll free at 1-888-NASA-FCU (627-2328), Monday through Friday from 8:00 a.m. to 6:00 p.m. EST and Saturdays from 9:00 a.m. to ...

Which credit bureau pulled for Nasa credit union credit card? Message 1 of 14 0 Kudos All forum topics; Previous Topic; Next Topic ... Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance ...NASA Federal Credit Union Preapproval! NASA Federal Credit Union Customer Service: 301-249-1800. 1-888-627-2328. How to increase your credit score and get more credit card approvals webinar!!! Subbscribe to our new business YouTube channel! New Stimulus PPP Loan!Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. There are even certain situations where a ...Established in 1949, NASA Federal Credit Union is headquartered in Upper Marlboro, Maryland. Convenient: 14 branches and 14 ATMs. Locations. Economic Solidity: Stewards over $5.2 Billion in assets. Financial Reports. Sound Financial Footing: The 2 nd largest credit union in Maryland and the 70th largest in the United States.

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Your savings federally insured to at least $250,000 and backed by the full faith & credit of the U.S. Government. NMLS #486583. ©Business Platinum Rewards Credit Card: Credit lines up to $50,000, discounts, rewards and more. Give your business a boost with a NASA Federal Business Checking Account. ... The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page.Borrowing and Credit Cards. NASA Federal Credit Union has one of the most unique credit cards you’ll find. They have a card they call “Star Trek Credit Cards.” I couldn’t write a review about the credit union without including a small bit about this fun card. You get several advantages for having a Star Trek card.October 1, 2019, Upper Marlboro, Maryland—NASA Federal Credit Union announced today that they and The Partnership Federal Credit Union successfully completed their merger as of October 1, 2019.The newly combined organization, which retains the NASA Federal Credit Union name, has close to $3 billion in assets and 14 branches, serving more than 177,000 members throughout the D.C. metropolitan ...

Premier Plus Money Market (PPMMA) $40,000. $40,000. 1.79%. 1.80%. For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328). The money market accounts listed above are variable rate accounts. Variable rate means that the dividend rate and APY on …Just wanted to share! * I was asked to provide a few stats about the approval which are as follows: Hard pull on Experian. At the time of the pull my credit scores were: TransUnion: 790. Experian: 788. Equifax: 779. Message 1 of 15.Anytime you get an email, text or robocall saying it is from NASA Federal Credit Union's Security Department, take a pause. Do not respond directly. Instead, call us at 1-888-NASA-FCU to verify the claim directly with us. It's better to be safe than sorry! Get important security alerts and helpful financial tips on the NASA Federal blog.1-888-NASA-FCU. Email Us. Let's Chat Now. Branches & ATMs. NASA Federal has several branches, service centers, and fee-free ATM locations. Find the nearest NASA Federal ATMs or branches nearest you.29 Jul 2016 ... The Court agrees that FOIA's definition of "agency" does not encompass federal credit unions. Accordingly, Nix fails to state a claim against ...We're here to help. 1-888-NASA-FCU. Email Us. Let's Chat Now. Education & Tools. NASA FCU seeks ways to educate members to help them make informed financial decisions and achieve a brighter financial future. Learn more.Loan/Credit Card. Select to view Request for Authorized VISA® User Select to view Skip-a-Payment Select to view VISA® Balance Transfer; Member Due Diligence. ... The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page.Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.

Just wanted to share! * I was asked to provide a few stats about the approval which are as follows: Hard pull on Experian. At the time of the pull my credit scores were: TransUnion: 790. Experian: 788. Equifax: 779. Message 1 of 15.

Payment Example: A $20,000 auto loan financed with NASA Federal at 6.84% APR for 63 months will have a monthly payment of $378.76. We’re here to help Phone Number 1-888-NASA-FCU 1 8 8 8 6 2 7 2 3 2 8 FREE NASA Federal Visa® Business Debit Card select debit card to lean more * FREE online access with Online Banking and eStatements; ... NASA Federal Credit Union is required to enforce that prohibition. We’re here to help. Phone Number 1-888-NASA-FCU 1 8 8 8 6 2 7 2 3 2 8; Email Us;ATM and Debit Card Services Table of Fees; Service Fee; NASA Federal Cards at ATMs* Transactions at CO-OP ATMs/Kiosks: No Charge: Transactions at Non-NASA Federal ATMs : Platinum Rewards: No Charge* Gold/Silver Rewards: 6 No Charge/month, $1.00 each thereafter** Bronze Rewards: 3 No Charge/month, $1.00 each thereafter** Replacement Card ...Credit Card Application. Universal Purchasing Power. Launch the Card You Want. Classic Credit Card. (Fixed Rate) Platinum Cash Rewards. (Get Cash Back) Platinum …250,000. Website. nasafcu.com. NASA Federal Credit Union is a credit union founded September 29, 1949 and is headquartered in Upper Marlboro, Maryland, United States. It holds more than $5 billion in assets, [1] and is insured by the National Credit Union Administration. The credit union has about 200,000 members, nationwide. [2]For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU.. Dividends Compounded: Monthly.Dividends Credited: Monthly.Balance Method: Average Daily Balance.Limitations: Refer to Member Services Agreement. † Fees: Refer to Schedule of Fees. Health Savings Certificates * ...NASA Federal Credit Union - Greenbelt Branch: 10208 Greenbelt Road Greenbelt-Lanham, MD 20706 Tel: 1-888-627-2328, ext. 670: Fax: 301-794-0691 ... Debit Card Instant-Issue Self-Service Coin Machine Safe-Deposit Box . Branch Services: Check Card Instant-IssueThe last bullet is probably your best option for joining. That said, this CU is probably a partner in a larger CU co-op. Other CUs in the co-op may have similar programs. Reply. CEdotGOV. •. I would imagine that the only "catch" would be a higher interest rate on your loan compared to a conventional loan with 20% down.You can easily compare NASA Federal Credit Union credit cards in the table below. Side-by-Side Comparison of NASA Federal Credit Union Credit Cards. Card Name APR Annual fee Rewards Intro offer Visa Classic 12.40% - 17.99% $0 This card doesn't offer cash back, miles or points.2.00%. Premier Plus Money Market (PPMMA) $40,000. $40,000. 1.79%. 1.80%. For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328). The money market accounts listed above are variable rate accounts.

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Your savings federally insured to at least $250,000 and backed by the full faith & credit of the U.S. Government. NMLS #486583. ©1-888-NASA-FCU. Email Us. Let's Chat Now. Personal Banking. Mortgages & Equity. Home Equity. Apply Now. Ready to open a home equity loan or line of credit (HELOC) with NASA Federal or access your current application? It's easy with our secure online form!Can fund up to $525 with a credit card. A+ Federal Credit Union (A+FCU) Can fund up to $5,000 with a credit card. Chase: Freedom Unlimited: 1, Abington Bank. Can fund up to $1,000 with a credit card. Achieva. Can fund up to $10,000 limit now $1,500 with a credit card. The following code as a purchase: Wells Fargo: Business: 1, Addition Financial NASA Federal Credit Union is seeking a Card Services Associate (CSA) with a thorough knowledge of the resources, services, and regulations pertaining to banking card services. This position must be conversant and able to assist members with telephone inquiries, account information, transactions, and problem resolution. It will handle ATM processing and assist branch personnel with balancing ... Paying By Phone. If you wish to have the payment processed by phone, you may contact Member Services to take an Expedited Payment (by check or phone). Member Services is available Monday through Friday from 8 a.m. to 6 p.m. ET and Saturday from 9 a.m. to 2 p.m. ET at 301-249-1800 or toll-free at 1-888-NASA-FCU (627-2328).9 reviews of NASA FEDERAL CREDIT UNION "This has been my bank of choice since 1995!! I got my first bank account here! I love this bank and the tellers are very friendly and always welcoming!! Great rates on loans, credit cards and mortgages!! Love Nasa Federal!!"On the last day of each calendar year (December 31), we will automatically redeem each positive signature transaction for $.05 and each positive PIN transaction for $.02, subject to a total annual redemption amount limit per member of $250, and deposit this amount into a Prime Share Savings Account linked to the Checking Account. Cash back will ...Visa Credit Card Terms and Conditions. Visa Classic Truth in Lending. Visa Platinum Truth in Lending. * Promotional balance transfer rate is good on all balance transfers for the life of the balance transferred, if the balance transfer is made within 90-days of account opening. ** NASA Federal does not charge a fee for the use of Card Fraud Alerts.According to NASA Federal Credit Union’s credit card page, it offers three choices, distinguished by the maximum amount of credit offered and the rewards each …I'm all for joining credit unions. They are superior in every way to commercial banks. I could only recommend NASA Federal Credit Union, though, if you don't qualify for better credit unions and you don't have a local credit union available to you. Starting Score: TU: 566. Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)CREDIT CARD USER(S) User #1 Full Name Street Address City State Zip Phone - Home Phone - Work Social Security # Date of Birth Mother's Maiden Name User #2 Full Name ... NASA Federal Credit Union • P.O. Box 1778, Bowie, MD 20717-1778 Phone: 301-249-1800 • Toll-Free: 1-888-NASA-FCU • Fax: 301-390-4524 ...Download apps by NASA Federal Credit Union, including NASA FCU. ….

Eligibility and Membership in NASA Federal Credit Union required. All offers subject to credit approval. This limited-time offer is subject to change at any time without notice. ... The 9.9% APR will remain in effect for the life of balances transferred from non-NASA Federal credit cards within the first 90-days of account opening. Balance ...NASA Federal Credit Card Terms and Conditions. We’re here to help. Phone Number 1-888-NASA-FCU 1 8 8 8 6 2 7 2 3 2 8; Email Us; Let's Chat Now; Education & Tools ; Forms ; ... The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page.Thumbs up this video and SUBSCRIBE, it helps me learn who enjoyed this video to create more content for you all! 💙 💙 💙 💙 💙In this video, I will discu...The refinance of an existing NASA Federal Credit Union fixed-rate loan is permitted one time only with a required $1,000 cash out. Verification of current rate is required. The minimum that can be refinanced is $5,000. Rates are higher for older model cars. The APR for model years 2014 - 2019 are 1% higher and model years greater than 10 years ...Simply complete the Enrollment Form below and hit the "Submit & Email" button. If you have questions, please contact us by email [email protected] or call 1-888-NASA-FCU extension 438. April 28, 2024. NASA Federal Credit Union. Attention: Business Development. 500 Prince George's Boulevard. Upper Marlboro, MD 20774.remain in effect for the life of balances transferred from non-NASA Federal credit cards within the first 90-days of account opening. Balance transfers made after 90-days of account opening do not qualify for the 9.9% - ... Visa Classic Secured aresecured credit cards. Credit extended under this credit card account is secured byMay 4, 2022. We are pleased to report that NASA Federal Credit Union ranked among the top 100 best performing credit unions of 2021. According to the S&P Global Market Intelligence Ranking Report, NASA Federal Credit Union placed 54 on the list. To compile this ranking, S&P Global Market Intelligence looked at community banks with assets ...See how much interest you can earn on your Certificate. Enter your deposit amount, term, and rate, then see a detailed schedule of your Certificates' balance and interest earned. Initial balance or deposit ($) Length of Share Certificate (months) (1 to 144) Annual percentage rate (-12% to 12%) Dividend compounding frequency.The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule. Loan amount ($) Annual interest rate (0% ...At the conclusion of its 2023 Mitchell-Beall-Rosen Memorial Scholarship Contest, NASA Federal Credit Union awarded $35,000 in scholarships—with amounts ranging from $1,000 to the top prize of $10,000—to seven high school seniors. The annual program rewards the writing talents of young Credit Union members who are working toward four-year or two-year undergraduate degrees or vocational ... Nasa federal credit card, About BALANCE. BALANCE has been the nation's non-profit financial coach for more than 45 years. Through a combination of resources, tools and counseling, BALANCE provides the money management education and support you need to reach your financial goals. Visit BALANCE., NASA Federal Credit Union · Forbes Lists · More on Forbes · Keeping Lightning Captain Steven Stamkos In Tampa Is A 'Priority' · Tesla Abruptly P..., Even if you don't have a NASA Federal credit card, you can still earn cash back with a debit card associated with one of the NASA Federal checking accounts. Variety of CD Minimums While some of the NASA Federal certificates require a deposit of $10,000, the standard certificate minimum is $1,000 and some certificate products only need just $50., You can view your credit card balance online on the card issuer’s website, on phone or email through a text message, or on an automated teller machine, according to Investopedia. Y..., We're here to help. 1-888-NASA-FCU. Email Us. Let's Chat Now. Contact Us. Support Request. This form allows you to contact us at NASA Federal Credit Union for all support questions you may have. Find out more., Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! NASA FCU Branch Location at 3420 Crain Hwy, Bowie, MD 20716 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews., Speak with a NASA Federal First Mortgage Loan Specialist for loan details and rates. Payment Example: A $250,000 30-year fixed rate with zero points and an interest rate of 7.000% (7.148% APR) would have a monthly principal and interest payment equal to $1,663.26. The monthly payment shown does not include PMI, taxes, insurance or other ..., Check Your Rates Without Impacting Your Credit. See Your Instant Pre-Qualified Offers in under 2 Minutes., Business Accounts. 301-249-1800 ext. 204. [email protected]. 1 NASA Federal Credit Union business credit card eligibility requires business membership and the establishment of the par value of one share in either a business savings account or a business checking account. Business credit cards also subject to credit approval., Apr 1, 2024 · Our Rating: 3.46. Credit score. Good to Excellent (670-799) Rewards Rate: 1x Point for every $1 you spend on all purchases. Balance Transfer APR: 9.90% - 17.99% Annual Percentage Rate (APR) is valid only on balance transfers made within 90-days of account opening. 14.65% - 17.99% Variable. , On the whole, Navy Federal Credit Union offers better rates than USAA. For starters, the Navy Federal Credit Union Basic Savings Account earns at a 0.25% APY. This includes all account balances ..., Payment Example: A $10,000 personal loan financed with NASA Federal at 10.09% APR for 60 months will have a monthly payment of $212.91. For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328). Check Your Rate., Hi All, A few days ago I was playing online and ventured over to NASA federal credit union site. Their cards are nothing special but since I'm still gardening and I had the itch, I started window shopping (dropping in my info for prequals) lol I dropped in my info and it told me I was preapproved with a 13.9% APR on the cash rewards card, but no limit info., 1-888-NASA-FCU. Email Us. Let's Chat Now. Blog. Get important security alerts and helpful financial tips on the NASA Federal blog., By checking this box, you and all parties to the pre-qualification request, consent to receive email, SMS or other marketing communications from NASA Federal Credit Union. You further expressly agree that NASA Federal Credit Union may contact you at the contact numbers provided, including your cellular number, via live, auto dialer, prerecorded ... , The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule. Loan amount ($) Annual interest rate (0% ..., Borrowing and Credit Cards. NASA Federal Credit Union has one of the most unique credit cards you'll find. They have a card they call "Star Trek Credit Cards." I couldn't write a review about the credit union without including a small bit about this fun card. You get several advantages for having a Star Trek card., NASA Federal Credit Union takes the security of personal and account information very seriously. If you have been affected by financial malware or any other scam involving your personal financial information at NASA Federal Credit Union, please notify us immediately at [email protected] or by calling 301-249-1800 or toll-free, 1-888-NASA-FCU ..., You are now leaving nasafcu.com and entering a third party website that is not part of NASA Federal Credit Union. The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page., Eligibility and Membership in NASA Federal Credit Union required. All offers subject to credit approval. This limited-time offer is subject to change at any time without notice. ... The 9.9% APR will remain in effect for the life of balances transferred from non-NASA Federal credit cards within the first 90-days of account opening. Balance ..., The 2009 Credit Card Accountability, Responsibility and Disclosure Act changed laws governing gift cards sold on or after August 22, 2010. It requires that: ... The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page., SpaceX Credit Cards from NASA Federal. SpaceX employees can now take advantage of the great credit card benefits offered by NASA Federal. ... The refinance of an existing NASA Federal Credit Union fixed-rate loan is permitted one time only with a required $1,000 cash out. Verification of current rate is required. The minimum that can be ..., Here's my timeline: Day 1 - Started application and got approval. Initiated link via Ally Bank. Day 2 - Verification deposits arrived at NASA FCU. Verified link via Ally Bank. Initiated transfer. Day 3 - Funds arrived at NASA FCU. Used Live Chat to fund certificate. Day 4 - Certificate open and funded., NASA Federal Credit Union is seeking a Card Services Associate (CSA) with a thorough knowledge of the resources, services, and regulations pertaining to banking card services. This position must be conversant and able to assist members with telephone inquiries, account information, transactions, and problem resolution. It will handle ATM processing …, 77 reviews and 6 photos of NASA FEDERAL CREDIT UNION "I've been a member here since 2005. I've been very pleased with their communication, rates, security, user-friendly website, co-op atm service, refunds for transaction fees, member services, and reliability. This is my main bank even though I haven't been in the area in 3 years.", See how much interest you can earn on your Certificate. Enter your deposit amount, term, and rate, then see a detailed schedule of your Certificates' balance and interest earned. Initial balance or deposit ($) Length of Share Certificate (months) (1 to 144) Annual percentage rate (-12% to 12%) Dividend compounding frequency., You'll also get a free debit card for quick access to your funds! Already a member? Let's get started. Not a member yet? Join now. We're here to help. Phone Number 1-888-NASA-FCU 1 8 8 8 6 2 7 2 3 2 8; Email Us; Let's Chat Now; Personal Banking ; ... The content you are about to view is produced by a third party unaffiliated to NASA Federal ..., The NASA Federal Platinum Advantage Rewards Credit Card is a rewards credit card that earns 1 point for each $1 spent. Points are redeemable for travel and merchandise. The card's website ..., 1-888-NASA-FCU. Email Us. Let's Chat Now. Terms & Conditions. The following are Account Terms and Conditions at NASA Federal Credit Union. Several Account Terms are governed by Federal regulations., 250,000. Website. nasafcu.com. NASA Federal Credit Union is a credit union founded September 29, 1949 and is headquartered in Upper Marlboro, Maryland, United States. It holds more than $5 billion in assets, [1] and is insured by the National Credit Union Administration. The credit union has about 200,000 members, nationwide. [2] , 2 Jun 2007 ... Hi There, I recently joined NASA Credit Union through their website. I did not apply for any loans or cards - just signed up for membership., No matter which NASA Federal checking account you choose, you'll enjoy fewer fees and more rewards with: EarlyAccess™ Payroll - get your direct deposits up to 2 days earlier. Nationwide Convenience - access to over 36,000 ATMs and 5,600 Shared Branches. Cash Back Debit Card - earn cash with every purchase - up to $250 a year! 1., When you're prequalified for a credit card through a financial institution like us, it means we've screened whether you can become a cardholder. By providing us with a few pieces of information, we're able to run a quick credit check (with no impact to your credit score) and see if you're eligible to receive a specific card before ...