In reading some of the threads on here about CCCU, I decided to apply for membership and a Visa. After applying on-line, I waited about a week and was sent an email saying they approved me for the $2,500CL I asked for. Nice! Thanks to all of you who talked about it on here in the first place -- without you I wouldn't have known CCCU even existed! I must say, though, that I wasn't overly impressed with the process itself. It took several days after pulling my EX credit report before they even assigned it to a loan officer (I only know that because I called after the 4th day), then it took an additional 3 or 4 days before I had a response. The good side was, once I got approved, the loan officer herself emailed me an offered a very cordial welcome aboard. Nice touch! My question is, what is everyone's experience with CCCU regarding CLI's?? Are they automatic, or do they have to be asked for? Thanks! FYI... they pulled Experian, and my score was 685 at the time.
I asked for 2,500 and they didn't counter with more or less. I have low utilization (15%), but do have a few baddies that are a few years old. I also had several inquiries (8 I think) on Experian at the time they pulled the app. My annual salary is around 40K, and I have total available credit of $30K. Hope that helps!