Reply
Super Contributor
Ron1
Posts: 5,462
Registered: ‎05-23-2009
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!

[ Edited ]

Angel,

 

 

Thanks for your reply. Did you apply yesterday? They haven't received sent me any email. On the loan application page, it was still showing approved.

 

 

 

Ron.

Message Edited by Ron1 on 07-30-2009 06:56 PM
Frequent Contributor
austinguy907
Posts: 304
Registered: ‎03-03-2008
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!

Applied tonight and got the "Pending Review".  They sure do send e-mail quickly though! 

 

Requested 15K w/ 722TU/705EQ = both FICO

 

More to come! :smileytongue:

Scores by lender CLI requests 4/15/14: EQ 760 / TU 755 / EX
------------------------------------------------------------------------------------
Scores by lender 4/25/11: EQ 705 / EX 743 / TU 735
Mortgage closed 5/20/2011!
Valued Member
Too_much_debt
Posts: 40
Registered: ‎08-11-2007
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!

I applied -- unfortunately got the pending and the no sir.  Recon with rep, called back, no sir.

 

**bleep**.  Felt bad.

 

Called Macy's and got $700.  Felt good again.

 

Next up, Alliant.

TU 680; EQ 690; EX 670
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!


Too_much_debt wrote:

I applied -- unfortunately got the pending and the no sir.  Recon with rep, called back, no sir.

 

**bleep**.  Felt bad.

 

Called Macy's and got $700.  Felt good again.

 

Next up, Alliant.


 

Did they say why declined?  Or did they say to wait for the letter?

 

Are you aware of any derogs on EX?  How is your utiliztion?  What other TL's and CL's do you have?

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Super Contributor
Ron1
Posts: 5,462
Registered: ‎05-23-2009
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!

The Visa approval status disappeared in the loan application page. It is no longer over there. Does anyone eve haappen to them?

 

 

Ron. 

New Contributor
Angel73
Posts: 73
Registered: ‎04-13-2009
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!

I logged in, went to "apply for loan" and my application showed at the very bottom of page.  It did not really give any status information, but showed my application details and the cc terms.

 

I got an email and voicemail requesting my paystubs and w2 which I will fax today.

 

 

Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!

Most likely they're doing something with their website.

 

If u'r concerned call 18004497728, this is a company which handels their cc.

IN VINO VERITAS.
Super Contributor
Ron1
Posts: 5,462
Registered: ‎05-23-2009
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!

wmarat,

 

 

Thanks for the number. I just called the number and it didn't give me the option to check the status of the application. It's only have the option to check the balance, report lost or stolen card and activated the card. By the way, I called Addison CSR number and rheir after hour staff wasn't able to tell me anything about the status of the application.  By the way, I haven't gotten any email to request additional docs to process the application.

 

Ron. 

Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!

Hit any option and if I remember correctly it connects you to human being.


Ron1 wrote:

wmarat,

 

 

Thanks for the number. I just called the number and it didn't give me the option to check the status of the application. It's only have the option to check the balance, report lost or stolen card and activated the card. By the way, I called Addison CSR number and rheir after hour staff wasn't able to tell me anything about the status of the application.  By the way, I haven't gotten any email to request additional docs to process the application.

 

Ron. 


 

IN VINO VERITAS.
Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
0

Re: Addison FCU Cash Back Visa Was Approved!!!!!!!


wmarat wrote:

Hit any option and if I remember correctly it connects you to human being.


Ron1 wrote:

wmarat,

 

 

Thanks for the number. I just called the number and it didn't give me the option to check the status of the application. It's only have the option to check the balance, report lost or stolen card and activated the card. By the way, I called Addison CSR number and rheir after hour staff wasn't able to tell me anything about the status of the application.  By the way, I haven't gotten any email to request additional docs to process the application.

 

Ron. 


 


I've noticed something interesting from CUs which have 24/7 loan accessibility.   It appears several CUs use the same loan reviewers/app. takers at some centralized location.  Same recording, same person making the recording (with the same skip just prior to mentioning that the call would be recorded).  

 

I would guess that the 24/7 loan center takes the app., reviews the CR, and even does preliminary underwriting approvals.  At that point, the paperwork is forwarded to the individual CU loan department which reviews the app. and requests additional info, if necessary.

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