Credit Cards

[Lexa]

I decided to join Alliant. My EQ is 733, no baddies and no inquiries. I have a couple of questions though: once I get a pre-approval offeres and I accept a car loan even if I don't need it now, how long it will be available for? will they have to do another pull if I want to use it later? Will it show on my credit report if I accept it but don't close it? How is Alliant with CLI? How often do they give them? do they hard pull or soft pull EQ each time? Thank you!

[FocusOnFICO]

Hi, Lexa----I can answer a few of your questions.

Member services told me the car loan is available for 30 days.  You can activate it on the SkyBranch site.  They would do another pull if you don't use it this time and apply later.  It should not show up on your credit report unless you do activate it.  Alliant is pretty good with initial credit lines as far as I know.  Hopefully others can chime in on the other questions.

I have enjoyed my brief time with them so far.

[Itsmeagain]

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Lexa wrote:

I decided to join Alliant. My EQ is 733, no baddies and no inquiries. I have a couple of questions though: once I get a pre-approval offeres and I accept a car loan even if I don't need it now, how long it will be available for?

FoF is correct (according to my experience)

 will they have to do another pull if I want to use it later?

Again, Fof is correct.  After 30 days, Yes!

Will it show on my credit report if I accept it but don't close it?

Third correct answer . . . No!

How is Alliant with CLI?

 Don't know.  Haven't gotten one yet.

How often do they give them?

Once every 6 mo.(according to my LO).

do they hard pull or soft pull EQ each time?

Hard pull if customer requests a CLI

Thank you!

You're welcome

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[Lexa]

Thank you guys! I still wanna know how they are with CLI? I know they give good initial CL and one can easily get 7500-10000 initially with a decent credit... but is there anybody who has 20000 or more with them? Do they do a hard pull of EQ only for CLI?