Credit Cards

[oracles]

lol very funny- oh well guess i wont get this card lol

[jaxstraw]

They never checked or asked when I joined. I just put down I was a member of my local PTA.

They do use a different measuring system for FICO scores. Your EQ score will be lower than what you think you have. Some other credit sites have confirmed this. I offered to fax my current credit report but that didn't help.I was denied a card but reconned.Too many new accts. They ended up giving me a $500 CC.

I'll build with it and let it grow when the CLI time comes.

Jax

Message Edited by jaxstraw on 07-07-2008 03:22 PM

[oracles]

thanks jax, i think i will wait.

[greekjim]

I got 2.5 k a couple months ago with mid 600's

[PositiveChange]

Go for it.  I joined PTA, they did not ask for proof, they approved me for $5,000 cc last week.  Pulled EQ, 675-700 credit grade.  ASK FOR WHAT LIMIT YOU REALLY WANT AND LET THEM COUNTER OFFER.  I should have asked for more than I asked for, but that was before I knew.  They told me to call back in a couple months and ask for an increase.

It is worth a try.

[oracles]

thanks for the response

[biturbomunkie]

i opened a shares account and got preapproved for a CC and an auto loan. i accepted the offers but how do i get approved instead of preapproved? will they call or i need to call them? also, does anyone know if alliant allows product change? they preapproved the rewards visa, but i'd rather opt for the lower APR non-rewards visa for emergency use.

[casinoannie97]

I'm a USTA member and would be eligible but I worry about my EQ being 698.  Guess I'll wait until my CCCU turns one year.  Did they only pull the one cr?

Did they tell you what your score with them was?

Message Edited by casinoannie97 on 07-16-2008 03:21 PM

[smallfry]

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biturbomunkie wrote:
i opened a shares account and got preapproved for a CC and an auto loan. i accepted the offers but how do i get approved instead of preapproved? will they call or i need to call them? also, does anyone know if alliant allows product change? they preapproved the rewards visa, but i'd rather opt for the lower APR non-rewards visa for emergency use.

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PIF what is the difference?

[smallfry]

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PositiveChange wrote:

Go for it. I joined PTA, they did not ask for proof, they approved me for $5,000 cc last week. Pulled EQ, 675-700 credit grade. ASK FOR WHAT LIMIT YOU REALLY WANT AND LET THEM COUNTER OFFER. I should have asked for more than I asked for, but that was before I knew. They told me to call back in a couple months and ask for an increase.

It is worth a try.

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Very nice. They are a good CU.