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Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Frequent Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


Ron1 wrote:

AeroKrix wrote:

Ron1 wrote:

It told me to download the membership agreement and the terms of the credit card.

 

 

Ron.


Do you need to have membership in order to apply for their cc's?


Yes, I didn't apply for the card first.  I just opened a savings for the membership. They offered me $10K credit card card prea-approval during the process of the application.

 

Ron.


Based on your own experience, is $10k considered generous or in line with your credit profile? It would it be comparable to the generosity of NFCU?

Current 05/12/15 EQ - 675 FICO ; EX - 702 FICO ; TU - 695 FICO

NFCU Flagship $10k || NFCU LOC $15k || NFCU cashRewards $10k || Chase Hyatt $5k || Chase Southwest Plus $4.5k || Chase Southwest Premier $4.5k || Barclay Rewards $2.5k || Barclay AA Red $3.5k || AMEX ED $1k || CapOne QuickSilver $2k || Sony Card $2k || Discover $2k || Macy's $12k (combined) || Best Buy $8k || Walmart $10k || CareCredit $7.5k || Banana Republic $10k || Amazon $7.5k || TJMaxx $3.5k || Car CareOne $6k || Lowes $10k || TOTAL CL: $104k
Message 11 of 114
Super Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


AeroKrix wrote:

Ron1 wrote:

AeroKrix wrote:

Ron1 wrote:

It told me to download the membership agreement and the terms of the credit card.

 

 

Ron.


Do you need to have membership in order to apply for their cc's?


Yes, I didn't apply for the card first.  I just opened a savings for the membership. They offered me $10K credit card card prea-approval during the process of the application.

 

Ron.


Based on your own experience, is $10k considered generous or in line with your credit profile? It would it be comparable to the generosity of NFCU?


It is not bad. You cannot compare with NFCU or USAA.  They are pretty good. They are better than Penfed.  They are pretty much the same as Alliant CU. We don't know about the policy of CLI.

 

 

Ron.

Message 12 of 114
Moderator

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron I will wait and see how yours turns out. I think my TU is similar score to you (779)?
Message 13 of 114
Super Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


B335is wrote:
Ron I will wait and see how yours turns out. I think my TU is similar score to you (779)?

Yes, I think you have a good chance to get approved. Smiley Happy

 

 

Ron.

Message 14 of 114
Super Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

I got am alert from MPM. They pulled TU.

 

 

Inquirer’s name:CONSUMERS CO
Industry type: 
Address:P.O. BOX 9119  WAUKEGAN,  IL  60079
Phone number:847- 6233636
Bureau:TransUnion
Message 15 of 114
Moderator

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Goodluck Ron!! Hopefully they approve you today!
Message 16 of 114
Super Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


B335is wrote:
Goodluck Ron!! Hopefully they approve you today!

Thank you!!! Do you plan to apply if I get approved? Smiley Very Happy

 

 

Ron.

Message 17 of 114
Moderator

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


Ron1 wrote:

B335is wrote:
Goodluck Ron!! Hopefully they approve you today!

Thank you!!! Do you plan to apply if I get approved? Smiley Very Happy

 

 

Ron.


Well I'm at 4 TU inq...if I only had your 1 inq I would for sure.  If you're approved maybe 80% chance I'll apply Smiley Wink

Message 18 of 114
Valued Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


Ron1 wrote:

AeroKrix wrote:

Ron1 wrote:

It told me to download the membership agreement and the terms of the credit card.

 

 

Ron.


Do you need to have membership in order to apply for their cc's?


Yes, I didn't apply for the card first.  I just opened a savings for the membership. They offered me $10K credit card card prea-approval during the process of the application.

 

Ron.


They probably HP'd you for the membership, and the preapproval was driven off of that.

I was going to garden... Honest!
Message 19 of 114
Valued Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Congrats, Ron!  Seems like the Consumers CU was much easier than LMCU was for me.  Glad you got approved.

AMEX (BCP - $25K, Platinum - NPSL, SCP Bus - $17.5K, SPG - $20K)|BOA (BBR - $15K, CR - $15K)|Barclays (Arrival+ - $17.5K, Ring - $15K)|Blispay - $10K|CAP1 (QS - $30K, Venture - $30K)|Chase (AARP - $15K, freedom - $5.5K, CSP - $25K, MRP Bus - $15K, Slate - $13.5K)|Citibank (DC - $28.2K, HD - $25K)|Discover it - $32.5K|Fidelity IR - $16K|Huntington Voice - $17K|LMCU - $10K|NFCU (cashRewards - $30K, GoRewards - $30K, CLOC - $15K)|PFCU (CR - $30K, Defender - $20K, LOC - $10K)|Synchrony Lowe's - $25K|US Bank Cash + ($12.5K, $21K)|USAA (Cash Rewards - $16K, Rewards - $23.4K, WPAOG - $10.5K)
Message 20 of 114