Reply
Regular Contributor
AeroKrix
Posts: 111
Registered: ‎03-05-2014
0

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

Spoke with a CSR from Consumers CU. She said they only process apps during business hours. The UW hours is the same as branch hours and they do manual reviews on their apps, leading to a call from a CSR regarding your app. 

Current 10/15/14 EQ - 655 FICO ; EX - 656 FICO ; TU - 668 FICO

NFCU $8k || NFCU LOC $5k || Barclay Rewads $2.5k || CapOne QuickSilver $2k || Sony Card $1.5k || Discover $1k || Best Buy $1k || Walmart $900 || CareCredit $7.5k || (plus too many store cards to list)
Contributor
waiter
Posts: 133
Registered: ‎05-09-2013
0

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

Congrats Ron1:

 

well, with these credit unions, My experience is that , computer system does a good job approving, and then the problem comes with a human eye looks at ALL those accounts on credit report and freaks out. ( i mean my credit report accounts ) , last year NASA sys approved me for 20,000 , everything was done approved, but all of sudden some conservative UW just killed it. DENIED, reason too many accounts opened. I was upset.

 

Good luck Ron. If this 10K is given to you, then i will apply too.

Regular Contributor
jesseh
Posts: 120
Registered: ‎03-06-2014
0

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

looks pretty good, congrats!

Wondering what your experience will be with CCU!

Cards: Andrews FCU $500 secured & SDFCU $250 secured (both opened 04/2014)
Credit: EQ 701 FAKO(mint), TU 711 FAKO(ck)
New Contributor
firetech593
Posts: 68
Registered: ‎02-02-2012
0

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

Hi All,

Ive been with Consumers over 10 years, best banking  I've ever had.

When I started my credit journey 3 years ago, they gave me my first $250.00 usecured card, (I had 5 year old checking with them).

Today its at 15k, and thanks to this board, being converted to signature.

IME, they always manually underwrite, and do a great job at it. They don't always say yes, but, if you talk to them, they do always find a way.

 

FWIW, they also use a single TU pull for a months worth of apps, EX if your TU is locked, (you can also request EX).

CLI are hard TU.

 

If you use checking and cc together, You can earn 5.09% on checking, with somewhat quirky requirements.

Enjoy!

 

 

Super Contributor
Ron1
Posts: 5,337
Registered: ‎05-23-2009
0

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

I haven't called from them yet. It's ok if I get denied. I didn't ask for $10k. They pre-filled it for me during the application process. It also
asked me to download the credit card agreement. I hope it is another DUCK CARD.

Ron.
New Contributor
firetech593
Posts: 68
Registered: ‎02-02-2012
0

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

Whats a Duck card Ron?

 

Frequent Contributor
sandman2435
Posts: 438
Registered: ‎01-22-2011
0

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


Ron1 wrote:
I haven't called from them yet. It's ok if I get denied. I didn't ask for $10k. They pre-filled it for me during the application process. It also
asked me to download the credit card agreement. I hope it is another DUCK CARD.

Ron.

Ron, I've been a member with them for 2 years and also had a credit card with them, last year I went on a massive credit reduction program lol, and I closed out the credit card(dumb move on my part) fast forward to last week, I went and called to app for the visa sig rewards card and was denied: reason for being denied: too much avalable credit, had the same problem with logex as well, just did an app with SDFCU, I have to send them 2 years of Personell and business returns, it's a lot of paper to send them as my returns are very thick, best of luck hope u get the card

Super Contributor
Ron1
Posts: 5,337
Registered: ‎05-23-2009
0

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

The Duck Card is issued by OCCU. It didn't require the membership at first. Later, they changed their mind to close many people's account.

Ron.
Frequent Contributor
austinguy907
Posts: 304
Registered: ‎03-03-2008
0

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

I signed up w/ Consumers back when they were paying higher interest on Checking.  Got $6500 9.75% on the same inquiry when opening checking.  

 

I'm thinking about a new auto loan this summer and then hitting up all my CU accounts for CLI's since they all want to HP for an increase.

Scores by lender CLI requests 4/15/14: EQ 760 / TU 755 / EX
------------------------------------------------------------------------------------
Scores by lender 4/25/11: EQ 705 / EX 743 / TU 735
Mortgage closed 5/20/2011!
Super Contributor
Ron1
Posts: 5,337
Registered: ‎05-23-2009
0

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

austinguy,

Did you get approved at the same time when you joined? How long did you wait for their decision ?


Ron.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}