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Alliant Credit Union

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patrick00032001
Regular Contributor

Alliant Credit Union

I joined Alliant back in 2010, opened a savings account, since then, I opened a Platinum Visa with them a year ago, application was easy, approved the next day over the phone for $15,000.00, with a rate of 10.24%, I called them yesterday to increase my credit limit, they use Equifax Pinnacle 2.0 for their scoring model, my score came back at 747, they increased my credit line to $30,000.00 and switched me over to their Platinum Rewards program, I know this credit union doesn't get the attention it once did a few years ago, but they still offer great service, and seem to be pretty generous once you join! Also, no proof of income for me on either application. Smiley Happy

Discover IT $32,500, Chase Freedom $1,000.00, Sears Mastercard $10,000, Wal-Mart DC $10,000.00, Kohl's $3,000.00, Chase Slate $52,000.00, 3 Rivers FCU Platinum Mastercard $25,000.00, IU Credit Union $25,000.00, Penfed LOC $25,000.00, Fort Financial CU $15,000.00, Home Depot $22,000.00, Lowe's $20,000.00, Penfed Power Cash Rewards $25,000.00, PenFed Travel Amex $25,000.00, Value City Furniture $10,000.00, PNC Points Visa Signature $15,000.00, GM Buy Power card $5,000.00, BOA 123 Visa Siggy, $62,000.00, Citi DC $15,000.00, GM Extended Family $3,000.00, Fire, Police, City, County, FCU $10,000.00, TU 791, Eq 765, Exp 772

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Alliant Credit Union


@patrick00032001 wrote:

I joined Alliant back in 2010, opened a savings account, since then, I opened a Platinum Visa with them a year ago, application was easy, approved the next day over the phone for $15,000.00, with a rate of 10.24%, I called them yesterday to increase my credit limit, they use Equifax Pinnacle 2.0 for their scoring model, my score came back at 747, they increased my credit line to $30,000.00 and switched me over to their Platinum Rewards program, I know this credit union doesn't get the attention is once did a few years ago, but they still offer great service, and seem to be pretty generous once you join! Also, no proof of income for me on either application. Smiley Happy


Wow.. That is a nice increase.  Congrats..

Message 2 of 12
baller4life
Super Contributor

Re: Alliant Credit Union

Awesome. They are on my radar. Super ach hub. Same day transfers.
Message 3 of 12
patrick00032001
Regular Contributor

Re: Alliant Credit Union

Also, today, I requested an increase on my PenFed Travel Amex, bumped me from $21,000.00 to $25,000.00, took about 30 minutes to get a decision, wasn't much, but Ill take it none the less!

Discover IT $32,500, Chase Freedom $1,000.00, Sears Mastercard $10,000, Wal-Mart DC $10,000.00, Kohl's $3,000.00, Chase Slate $52,000.00, 3 Rivers FCU Platinum Mastercard $25,000.00, IU Credit Union $25,000.00, Penfed LOC $25,000.00, Fort Financial CU $15,000.00, Home Depot $22,000.00, Lowe's $20,000.00, Penfed Power Cash Rewards $25,000.00, PenFed Travel Amex $25,000.00, Value City Furniture $10,000.00, PNC Points Visa Signature $15,000.00, GM Buy Power card $5,000.00, BOA 123 Visa Siggy, $62,000.00, Citi DC $15,000.00, GM Extended Family $3,000.00, Fire, Police, City, County, FCU $10,000.00, TU 791, Eq 765, Exp 772

Message 4 of 12
Anonymous
Not applicable

Re: Alliant Credit Union


@patrick00032001 wrote:

Also, today, I requested an increase on my PenFed Travel Amex, bumped me from $21,000.00 to $25,000.00, took about 30 minutes to get a decision, wasn't much, but Ill take it none the less!


Congrats on the CLIs.  Very nice on the Alliant bump.

Message 5 of 12
Anonymous
Not applicable

Re: Alliant Credit Union


@patrick00032001 wrote:

I joined Alliant back in 2010, opened a savings account, since then, I opened a Platinum Visa with them a year ago, application was easy, approved the next day over the phone for $15,000.00, with a rate of 10.24%, I called them yesterday to increase my credit limit, they use Equifax Pinnacle 2.0 for their scoring model, my score came back at 747, they increased my credit line to $30,000.00 and switched me over to their Platinum Rewards program, I know this credit union doesn't get the attention it once did a few years ago, but they still offer great service, and seem to be pretty generous once you join! Also, no proof of income for me on either application. Smiley Happy


Mmm nice bump, this Credit Union is in my radar Smiley Happy

 

Enjoy the increadible approval !!

Message 6 of 12
chalupaman
Super Contributor

Re: Alliant Credit Union

Nice job!

 

I normally don't like CU cards much but if Alliant is a bit more giving than others and isn't so strict on UW (pyramiding debt or escalating debt cough cough), I'd give them a shot in the future myself.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 7 of 12
gdale6
Moderator Emeritus

Re: Alliant Credit Union


@patrick00032001 wrote:

I joined Alliant back in 2010, opened a savings account, since then, I opened a Platinum Visa with them a year ago, application was easy, approved the next day over the phone for $15,000.00, with a rate of 10.24%, I called them yesterday to increase my credit limit, they use Equifax Pinnacle 2.0 for their scoring model, my score came back at 747, they increased my credit line to $30,000.00 and switched me over to their Platinum Rewards program, I know this credit union doesn't get the attention it once did a few years ago, but they still offer great service, and seem to be pretty generous once you join! Also, no proof of income for me on either application. Smiley Happy


Fantastic CLI, grats Smiley Happy

Message 8 of 12
Anonymous
Not applicable

Re: Alliant Credit Union

Congratulations!

Message 9 of 12
uswala
Senior Contributor

Re: Alliant Credit Union

Congrats on the CLI!

Message 10 of 12
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