cancel
Showing results for 
Search instead for 
Did you mean: 

Altra Federal Credit UNION low BT rate

tag
ExplicitElicit
Established Contributor

Re: Altra Federal Credit UNION low BT rate


@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!


Congrats, but looking at your other limits I don't see why they can't at least match. Were they concerned that you had to much credit?

Message 31 of 40
patrick00032001
Regular Contributor

Re: Altra Federal Credit UNION low BT rate

I think it was more they wanted to see how I was going to handle all my other accounts as well as theirs for a few months, it makes sense to me, thats why I took what they offered with no questions? Like I said, they seem like very nice people, I work with credit unions here at our dealership, so I kind of understand their point, noting ventured nothing gained as they say.

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 32 of 40
ShiningDown
Frequent Contributor

Re: Altra Federal Credit UNION low BT rate

Congrats.

What score do you need to get the 6.99 APR?  Where did you get your score?  I got a letter monday and it says my cl is 5,000 and I am approved. Said my card will be here within the next 10 days.  

B335is I didn't have a Chexsystems pull on creditkarma. Who usually pulls checksystems?

 

Message 33 of 40
Anonymous
Not applicable

Re: Altra Federal Credit UNION low BT rate

I have to save this and go for it around Spring time. That's when my last derog item would fall off and I will at least pay down some of my debts. I need to transfer a good chunk amount of cc to it by then.

Message 34 of 40
ShiningDown
Frequent Contributor

Re: Altra Federal Credit UNION low BT rate

I think it said promotion ends Nov 30th. Hope they have lots of promotions!

Message 35 of 40
patrick00032001
Regular Contributor

Re: Altra Federal Credit UNION low BT rate

Well, this has certainly been an interesting turn of events! I just got at email from the loan department they declined my application because of Escalating Debts? My Utilization% is 7%! They are smoking crack! I sent an email back to customer service asking them why in the heck did you ask me for paystubs, tell me I was approved, then email me for a drivers license copy, telling me your finalizing my application, to sending me an email that a senior underwriter looked at it and declined it? This credit union is a joke, I sent an email back and told them, just forget it, Ill stick with my other credit union, talk about a tacky, classless thing to do to someone! Smiley Mad

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 36 of 40
CreditCuriosity
Moderator Emeritus

Re: Altra Federal Credit UNION low BT rate

Hmmm... Sorry to hear, two hard pulls for that Smiley Sad

Message 37 of 40
ShiningDown
Frequent Contributor

Re: Altra Federal Credit UNION low BT rate

I am sorry this happened to you I am really confused now.  I already did a BT. 

Never listen to me again! .  SORRY!

 

Message 38 of 40
ShiningDown
Frequent Contributor

Re: Altra Federal Credit UNION low BT rate

 I received my card Friday and noticed I got the rewards card with 11.9% on purchases and 6.9% on BT until the promotion ends. I asked when it ends and she said it has been going on 2 years now and she does not see it ending in the near future. At first I got a email saying I was approved for 10.9 and 8.9.  Today I called her and she said I could switch it back to non rewards at 10.9 and BT at 8.9 but I told her to leave it at 11.9  for purchases and 6.9 for BT. My BT's are done now and I am signed in to online banking. Everything is good 6.99% I am happy!  My score was 668  Fico 08.  I cant complain about the rates with my score and debt. even at 11.9  I will be happy .  I think they gave me a pretty good  APR  for my score.  Have to go for now!

Message 39 of 40
ShiningDown
Frequent Contributor

Re: Altra Federal Credit UNION low BT rate

I just noticed Altra uses CreditKarma you can get your free score on there. 

Message 40 of 40
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.