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Frequent Contributor
TravellingNomad
Posts: 493
Registered: ‎04-26-2011

CC & LOC approved!

I applied for a cc and LOC again with my credit union (Golden 1) yesterday afternoon. Instantly approved for the cc with a $4K limit at 9%. Walked in today to check about my LOC application and was told instantly approved this morning for $5K at 10%. Woohoo!!! these two are officially my highest limits thus far. The next highest limit I have compared to these two is my Discover with a limit of $1.5K. I have gotten past toy limits finally!

 

The best part about my cc and LOC app with Golden 1 CU is that they pulled EQ and the score matched my myfico EQ score of 704. When I applied with them back in April, the score they gave me matched myfico EQ too. So that tells me the version of EQ here is the same version they use. The even better part about the app is the CU used the same pull for both cc and LOC app i did. I was informed by the loan rep that helped me out that they will use the same score/pull if applying for various loans/credits within a 10 day period of the credit pull. 

Valued Contributor
alvon123
Posts: 3,516
Registered: ‎09-24-2013

Re: CC & LOC approved!

congrats

Mouse cursor over cards to see limits
Super Contributor
coldnmn
Posts: 7,943
Registered: ‎08-08-2011

Re: CC & LOC approved!

Congrats! Great rates thanks for sharing.


My Wallet: Ace US Bank $6000 / Walmart Discover $6000 / US Bank Cash+ Signature $5500 / Discover IT $5000
/ Care Credit $5000 / PayPal SmartConnect $4000 / Sam's Discover $4000 / Cap1 Quicksilver $4000
/ Barclay Ring $3550
Last App 10/25/13 / Gardening to keep ahead of Wade to Diamond! ROFLOL!
Established Contributor
hot4u
Posts: 619
Registered: ‎04-21-2013

Re: CC & LOC approved!

Congrats on both...


(Citi)- Dividends Platinum Select, AAdvantage® platinum Visa signature,
(Chase)- Freedom, Sapphire Preferred®, United MileagePlus® Explorer,NFCU Flagship Rewards.
Amex's- BCE 19,500, Hilton 14,000 and SPG® 3/24/14 First Hawaiian Bank Priority Destinations World Elite,4/24 Penfed cash rewards 14,000 Garden-
3/16/14 EQ - 739 EX- 762 TU- 768

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Valued Contributor
myjourney
Posts: 23,641
Registered: ‎02-07-2013

Re: CC & LOC approved!

Nice job 

Congrats 

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Frequent Contributor
TravellingNomad
Posts: 493
Registered: ‎04-26-2011

Re: CC & LOC approved!

thanks everyone! so after walking out of the bank, i wanted to push my luck. i headed to my other CU that i bank with also. i wanted to apply for their visa cc as well. i got bold because i knew from a previous app that this CU will pull EX. so i drove over there and app'd. loan rep said that she sees a pre approval for $7.5k on their visa cc. i told her i would like $10k. she reviewed my file and remembered the last time she helped me back in april. she said for me to get the cc ofer on my account...my score must have improved compared to 680 from the last app. so she submitted my app for 10k and i nearly fell off my chair when she said INSTANTLY APPROVED! so i asked her what was the counter offer and she said no counter on the cl....i got approved for the full amount!!!!  wooohooo!!!....i increased my overall cl today by almost $20k!!! i am so psyched! finally..validation that i was on the right path in my rebuilding. i got the members of this forum to thank for all their wisdom and help! oh and btw...bank said my EX was 728 at the time of the pull...same rate as the other cc.

Community Leader
Valued Contributor
myjourney
Posts: 23,641
Registered: ‎02-07-2013

Re: CC & LOC approved!


TravellingNomad wrote:

thanks everyone! so after walking out of the bank, i wanted to push my luck. i headed to my other CU that i bank with also. i wanted to apply for their visa cc as well. i got bold because i knew from a previous app that this CU will pull EX. so i drove over there and app'd. loan rep said that she sees a pre approval for $7.5k on their visa cc. i told her i would like $10k. she reviewed my file and remembered the last time she helped me back in april. she said for me to get the cc ofer on my account...my score must have improved compared to 680 from the last app. so she submitted my app for 10k and i nearly fell off my chair when she said INSTANTLY APPROVED! so i asked her what was the counter offer and she said no counter on the cl....i got approved for the full amount!!!!  wooohooo!!!....i increased my overall cl today by almost $20k!!! i am so psyched! finally..validation that i was on the right path in my rebuilding. i got the members of this forum to thank for all their wisdom and help! oh and btw...bank said my EX was 728 at the time of the pull...same rate as the other cc.


Rolling congrats again

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Valued Contributor
Pupeitmeister
Posts: 1,067
Registered: ‎11-11-2013

Re: CC & LOC approved!

WoW!.. WTG... ummm.. see you in the garden? :smileyhappy: :smileyhappy: :smileyhappy:

 

Moderator
09Lexie
Posts: 22,557
Registered: ‎09-13-2012

Re: CC & LOC approved!

Contributor
credithappy
Posts: 128
Registered: ‎07-25-2008

Re: CC & LOC approved!


TravellingNomad wrote:

I applied for a cc and LOC again with my credit union (Golden 1) yesterday afternoon. Instantly approved for the cc with a $4K limit at 9%. Walked in today to check about my LOC application and was told instantly approved this morning for $5K at 10%. Woohoo!!! these two are officially my highest limits thus far. The next highest limit I have compared to these two is my Discover with a limit of $1.5K. I have gotten past toy limits finally!

 

The best part about my cc and LOC app with Golden 1 CU is that they pulled EQ and the score matched my myfico EQ score of 704. When I applied with them back in April, the score they gave me matched myfico EQ too. So that tells me the version of EQ here is the same version they use. The even better part about the app is the CU used the same pull for both cc and LOC app i did. I was informed by the loan rep that helped me out that they will use the same score/pull if applying for various loans/credits within a 10 day period of the credit pull. 


Congrats to you:smileyhappy:

In my wallet: Amex Zync - Amex BCP - Amex Mercedes-Benz - Amex PRG - Amex TrueEarnings - Emigrant Direct Visa - Xcel FCU Visa - Walmart Discover - Sam's Club Discover - Macy's - Bloomingdales - Nordstrom - Sam's Club CC - Discover IT and US Bank Visa FlexPerks new accounts: CitiHHonors - NAVchek and NAVcashRewards CC

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