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Established Contributor
TravellingNomad
Posts: 501
Registered: ‎04-26-2011
0

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. 

Senior Contributor
alvon123
Posts: 7,561
Registered: ‎09-24-2013
0

Re: CC & LOC approved!

congrats


Mega Contributor
coldnmn
Posts: 14,028
Registered: ‎08-08-2011
0

Re: CC & LOC approved!

Congrats! Great rates thanks for sharing.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8000
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Established Contributor
hot4u
Posts: 784
Registered: ‎04-21-2013
0

Re: CC & LOC approved!

Congrats on both...


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Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
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Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
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Re: CC & LOC approved!

Nice job 

Congrats 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Established Contributor
TravellingNomad
Posts: 501
Registered: ‎04-26-2011
0

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.

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Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

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"
Last 5 apps 6/6/13


Valued Contributor
Pupeitmeister
Posts: 1,161
Registered: ‎11-11-2013
0

Re: CC & LOC approved!

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

 


OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun
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09Lexie
Posts: 25,939
Registered: ‎09-13-2012
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Re: CC & LOC approved!

Regular Contributor
credithappy
Posts: 153
Registered: ‎07-25-2008
0

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:

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