09-03-2009 07:59 AM
I joined CCCU on 8/31 and applied for a CC on 9/01. They didn't pull my CR (experian) till 9/02.
The status shows pending. I'm curious how long it generally takes until you get either request for info or a decision with this CU?
BTW: I really like the FinanceWorks that CCCU offers. It is a free online Quicken (intuit) application that pulls all of your checking & savings accounts, credit cards, loans, etc. Then it tracks balances, transactions, etc. It allows one to set up a budget, put in bills, see trends, etc. Pretty nice and its free. I can see my total cash and debt positions in one place. It can pull everything automatically, no manual entry or even downloads to import.
09-05-2009 05:18 AM
Welcome to the forums, OnTheRoad!
Bumping this up for you...
(Txjohn, you've got one (at least) of these, right?) lol
LOL. Nope, don't have this one. I do have checking & savings accounts with them. But haven't applied for credit and won't, at least not in the next 18 to 24 months.
Did OP ever get a decision?
09-05-2009 05:21 AM - edited 09-05-2009 05:21 AM
No I have not gotten any word yet. The online status is still pending. I'm starting to think that maybe they don't update the online status and I will get something in the mail next week.
The only thing I have received from them so far are uDeposit envelopes that I ordered. I put $5200 in deposit with them.
09-05-2009 05:34 AM
txjohn wrote: LOL. Nope, don't have this one. I do have checking & savings accounts with them.
Absolutely amazing! I was trying to be cute...
Just to save space here, please list the financial institutions anywhere on this planet where you don't have an account of some sort.
09-05-2009 05:39 AM - edited 09-05-2009 10:33 AM
I got card a little over a year ago. they probably still do things manually so they take longer. They called me first and you have to be patient with them. On the other hand, they just gave me auto cli for 2500 after a year.
Hang in there for they are excellent.
I only had to sign religious statement. No accounts.
PS: I think it took a couple of weeks but like I said they're great and it's worth it. I do believe they still call you personally
09-05-2009 05:40 AM
txjohn wrote: LOL. Nope, don't have this one. I do have checking & savings accounts with them.Absolutely amazing! I was trying to be cute...Just to save space here, please list the financial institutions anywhere on this planet where you don't have an account of some sort.Awesome!
LOL. I joined them earlier on. But I didn't go for their card because it is over 10% APR and I wanted cards that were under 10% APR. I now wish I had app'ed CCCU instead of PenFed (over 13%).
Anyway, I liked what CCCU stood for, what they did with profits and may consider some credit through them down the road. I also found the Finance Works online app interesting.
ack to OP. I suggest maybe you call them and inquire??? Unless you don't like to call on apps, then just wait to see what comes in the mail I guess. Do let us know what the final disposition turns out to be.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.