Altra Federal Credit UNION low BT rate

[ShiningDown]

Offer said good until November 30 or 31st then it ends I guess. I am not sure what ends.

[ScoreOrBeScored]

I may Jojn. But would have to wait on the CC. I have a repo that falls off April 2015 and a Judgment that's from 2012 im working to get remi Ed.

1 inquiry on TU

[ShiningDown]

Looks like they did a hard pull on me and DH. Not sure what to say. When she asked for his name I said I am applying alone.  She said they have to send a letter to DH to let him know I applied so she wanted his name. I guess because I am married or the state we live in. If you apply ask about this if you are married! I kind of like getting only one credit pull. 

[B335is]

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@ShiningDown wrote:

Looks like they did a hard pull on me and DH. Not sure what to say. When she asked for his name I said I am applying alone.  She said they have to send a letter to DH to let him know I applied so she wanted his name. I guess because I am married or the state we live in. If you apply ask about this if you are married! I kind of like getting only one credit pull. 

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That's interesting.  Any idea if they pull Chexsystems?

[patrick00032001]

Got my decison back, they countered back with $2,500.00 at a rate of 8.9%, TU score pulled was 776, TU 98 Classic Model is what they use. Hope this helps! I accepted and faxed back the signed application, card is in the mail!

[CreditCuriosity]

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@patrick00032001 wrote:

Got my decison back, they countered back with $2,500.00 at a rate of 8.9%, TU score pulled was 776, TU 98 Classic Model is what they use. Hope this helps! I accepted and faxed back the signed application, card is in the mail!

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Seems kinda low for your profile..  The APR is great, but two HP's one for membership and one for the CC...  Anyways, congrats on a nice low APR card!

[jimmyt2003]

forgive me for sounding dumb but i have honestly never heard of that credit union (until today) and congrats!

[b_diddy]

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@patrick00032001 wrote:

Got my decison back, they countered back with $2,500.00 at a rate of 8.9%, TU score pulled was 776, TU 98 Classic Model is what they use. Hope this helps! I accepted and faxed back the signed application, card is in the mail!

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Excellent. Congrats!

[patrick00032001]

Their underwriters were concerned with other limits I have on my other cards, they want to start me out slow and with in 6 months to a year she said they would more than accomodate a much higher credit line for me! I never spoke with one person on the phone either, everything was handled via email and fax, super nice people and really want to get everyones business!

[CreditCuriosity]

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@patrick00032001 wrote:

Their underwriters were concerned with other limits I have on my other cards, they want to start me out slow and with in 6 months to a year she said they would more than accomodate a much higher credit line for me! I never spoke with one person on the phone either, everything was handled via email and fax, super nice people and really want to get everyones business!

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Thanks the explaining.  That is a legit concern.  I have been considering a CU, who knows I might look into this one as they are a TU puller.