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Posts: 147
Registered: ‎04-11-2017
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Golden1 Rewards Card

Considering applying for this if Chase turns me down. I am a current member, but have not applied for any products. I read they are conservative and a post from last year said they pull Experian and require at least a 660.

I would like info on this. Who has applied, denied, approved? What were your stats? My current Ex is 655 so I will wait. But curious.
Rebuilding Since 4/2017 No FICO, No Credit Cards. Now FICO 8 655EX, 678 EQ, 753 TU!
Gardening 6/08/17 to 12/1/17
Frequent Contributor
Posts: 275
Registered: ‎01-11-2014

Re: Golden1 Rewards Card


Chantels1 wrote:
Considering applying for this if Chase turns me down. I am a current member, but have not applied for any products. I read they are conservative and a post from last year said they pull Experian and require at least a 660.

I would like info on this. Who has applied, denied, approved? What were your stats? My current Ex is 655 so I will wait. But curious.

I don't have any direct experience with them, but from other threads I've read, they're a little on the conservative side. They seem more sensitive towards lots of new accounts or huge amounts of unsecured credit.

 

Are you in CA? they have a backdoor for joining if you're out of state, but they only offer credit products in CA. However, if it's just that your scores are a little low, you might want to talk to a loan officer directly and see. Most CUs value relationship banking, so if they're your main bank, you might have a better chance.

 

I did search the credit pulls DB and the lowest approval I saw was 680, but there weren't many entries on there, and most were old. If they decline the rewards card, and you really want to build a relationship with them, they do offer a secured card that might be a good door in Smiley Happy

 

Good luck!

EQ: 791INQs: 6EX: 777INQs: 12TU: 771 (Split File - FIXED!)INQs: 12
AAoA: ~5.3 years, oldest account 16.5 years
Total Credit Line: $230K

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