I applied for BECU Visa almost two months ago and was initially denied.
Boeing Employees Credit Union was on my list during my app spree and when I joined they gave me a 500 LOC (overdraft) with my checking acct.
I app'ed for a 7.5k Visa, you have to state amount desired or app won't process) and received a denial after checking by phone a few hours later. Too many inq's and new acct's was reason.
Tried recon on phone and although CSR was really nice she stood by the decision and said she couldn't help.
Well I sent out a letter anyway and after my typical schmoozing I asked if I was credit worthy for a small LOC why wasn't I at least credit worthy for a 500cl credit card at least. Figured if they bought my line of s**t I could talk my way top a higher CL.
I asked in a post here recently if anyone thought staying with a CU after denial was a good idea and got mostly yes answers , so I dumped $250 in the checking acct and waited.
Been using my ATM/Debit card occasionally but forgot about the recon.
Just going through my acct's online w/ various CU'S (I belong to 7) and for kicks checked my app status on the BECU site.
5000 Visa approval two days ago !!!! I'm sure I'll get a letter any day now.
How cool is that ?? BECU luv today !!
Jax
Jax
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