Good news if your in Georgia, Approved for 30K Unsecured LOC with Mastercard with 702 EFX!

[Anonymous]

Just thought I would let everyone in Georgia know there is another upcoming big player in town that offers
very generous CL's. A friend of mine put me onto UPBC ( http://www.upbcusa.com ) which is located in Atlanta after
she got approved for a 25K Personal Line of Credit at a very low APR and has the convience of a regular credit
card because it comes with this MasterCard linked to the LOC. I applied with them last week after I thought it
would be cool to use this LOC they offer to roll over all of my high credit card balances. A day after I applied
I got a phone call from this guy named Mike in the Credit Department who called me and told me I was approved
for a 30K Personal Line of Credit. I'm so shocked because this is my new highest CL ever acheived I have a FICO
of 702 and they only pulled my Equifax credit report. My APR with them is 7.25% fixed forever! the only cons are
that the account comes with a $75 AF and another $35/yr if you want a Mastercard linked to the account.

FYI: When you get approved they try to cross-sell you other credit accounts such as auto loans as they did me
when the Credit Department called me to tell me I was approved they gave me pre-approvials for a auto loan
as well which I did not accept. The UW told me they are about to get into the credit card business as well.

The application can be found at http://www.upbcusa.com/personal-finance/lines-of-credit or you can apply by

phone 1-800-434-6604 option# 3

[creditwherecreditisdue]

Read here:

http://www.upbcusa.com/_bpost_4222/UPBC_Financial__to_Officially_Launch_For_New_Business_on_June_1,_...

and here:

http://www.upbcusa.com/personal-finance

To apply for any personal loan or credit product, you must:

• Be 18 years of age or older
• Live within the state of Georgia
• Agree to provide additional personal and business information, if requested, such as tax returns and financial statements
• Certify that all information submitted in the application is true and correct
• Authorize UPBC and or a credit bureau to investigate the information on the application

Message Edited by creditwherecreditisdue on 08-15-2009 02:00 AM

[Anonymous]

If it works for you, Congrats Chris!

[Anonymous]

Just for kicks and giggles, I clicked on the address.  It's linked to citibank.  Just thought I would add that. 

[DI]

Paying $110 yearly just to carry a high limit card doesn't sit well with me.  To each it's own.   Congratulations to them.    

[creditwherecreditisdue]

---

@Anonymous wrote:

Just for kicks and giggles, I clicked on the address.  It's linked to citibank.  Just thought I would add that. 

---

Then it isn't what it once was. Citifinancial has not traditionally issued CC's, Only installment loans.

[Anonymous]

Looks like this company sold its accounts to CitiFinancial or something, cause it forwards to a generic CitiFinancial page now.

[MattH]

---

@Anonymous wrote:

Looks like this company sold its accounts to CitiFinancial or something, cause it forwards to a generic CitiFinancial page now.

---

Yep, it forwards to CitiFinancial now.  I don't particularly need more credit at the moment, but if I did then I would certainly not get it from a consumer finance lender because that would be a minor ding on my credit history.

[Anonymous]

---

@MattH wrote:

---

@Anonymous wrote:

Looks like this company sold its accounts to CitiFinancial or something, cause it forwards to a generic CitiFinancial page now.

---

Yep, it forwards to CitiFinancial now.  I don't particularly need more credit at the moment, but if I did then I would certainly not get it from a consumer finance lender because that would be a minor ding on my credit history.

---

CitiFinancial doesn't offer LOC with CC and they don't offer more than $14,999 unless it is home equity.

[MattH]

---

@Anonymous wrote:

---

@MattH wrote:

---

@Anonymous wrote:

Looks like this company sold its accounts to CitiFinancial or something, cause it forwards to a generic CitiFinancial page now.

---

Yep, it forwards to CitiFinancial now.  I don't particularly need more credit at the moment, but if I did then I would certainly not get it from a consumer finance lender because that would be a minor ding on my credit history.

---

CitiFinancial doesn't offer LOC with CC and they don't offer more than $14,999 unless it is home equity.

---

Interesting, so CitiFinancial has an upper limit on the credit limits they will offer?  The prime part of Citi certainly does offer higher limits, as my Citi Platinum Select MasterCard has a limit of over $20K.