@Anonymous wrote:
@Themanwhocan wrote:
@trant3 wrote:
@Themanwhocan wrote:Elements Financial Credit Union. They have a Visa Signature card that gives 1.25% cash back. Anyone can join by paying a small fee, I think it was $5.
Oh, and they are currently giving $300 when you spend $1000 combined in at least 10 transactions in the first 90 days. And a free monthly Equifax FICO 08 score. You know, that one FICO score thats almost impossible to obtain for free these days...
Thanks for this info, the bonus and card is very appealing. The free EQ Fico is a plus! Which credit report do they pull?
They used to be ELFCU, ie Eli Lilly Federal credit Union. if you search for elfcu in the creditpulls database, it appears they pull Equifax.
I applied for their card and savings account. I have the savings, but I dont yet see the credit card, so I might have been denied that. If I was, then I'll probably open a basic checking account with them ( no monthly maintenance fee if 50 or over, or under age 25), since that also qualified for the free fico score. But right now i'm being patient and waiting for the card, or a denial, to appear in the US Mail. They also have a high interest checking that has no monthly fee if you sign up for eStatements.
I have a lot of credit cards (over $400k) and just applied for a bunch of cards and CLI's and then applied for the Elements one later, so they do have plenty of reasons to possibly deny me their credit card. I think we need to see how successful various people are with them before we jump to conclusions based on my extremely limted results so far.
PS: I also asked for a $35K starting limit on the credit card. yet another reason they may be wondering about giving me a card... My take is they asked what I wanted, not what I was willing to accept.
Cant wait to see if you get it! Curious as to why you app'd for the Commerce Bank Special Connections card? This was one of my first REAL credit cards I had...it had a 15-17% APR after the 0% for 1 yr intro, and a $2k starting limit when everything else was tiny (cept care credit).
It is a NIGHTMARE to deal with commerce bank. You call underwriting and they are like, how did you get this number?! When it comes to you by mail. They basically operate like this...if you ever want an increase, you open a new card. You get an inquiry. Then they combine the entire old cards limit into the new one. Then they delete all history of the old account, and its as if it never existed. Quite strange! Their shopping portal used to offer some serious cash back...but now I just use it for the 3% categories and patiently wait to cash out in $50 increments or get a deal on a gift card.
The only way you can get a Visa Signature with actual credit reporting NPSL is to apply in branch. Otherwise you can still apply for the Miles card...All their cards have the same rewards program except their insanely high WEMC, and its not worth it, whatsoever. Funny all their card disclosures are there if you look, even the employee ones. Even their employees and ultra rich clients pay something like 5.99% plus prime......
Well, Commerce still sends me junk mail offerings for their cards. This time, they sent a targeted offer for 1.5% cashback, no annual fee, 15.99% APR, and $150 when you spend $500 in first three months, plus 0% apr for first 12 months. The $150, my curiosity regarding their free fico score, and the fact that i couldn't care less about Commerce bank and will drop the card whenever it suits me (but after pocketing the $150) led to me adding that application after i tried for a BOA BBR card, a Bank of the West card, and several CLI attempts. So far, its the only thing I know I've been successful in achieving in this app spree (other than an additional $1000 on my NFCU card) 
PS: maybe this will finally stop all the ridiculous credit card offers they keep sending me.
@AverageJoesCredit wrote:
Bella, i think you mean you are " Sailing" the NFCU bonus, lol,
Okay, we'll say I'm sailing as rapidly as possible, hoping I don't go through any doldrums! 
Silly me didn't even even realize there was a spend bonus until I had the card almost a month. Now I'm trying to do the $3000 spend in 2 months essentially! All other cards are in the SD for a couple of months, and I'm routing all our normal spend thru the CashRewards. I'm even going to call my student loan and see if they'll let me make two payments with it. It's kinda fun, actually! JTA, That it has a $1000 SL adds an extra challenge.