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Frequent Contributor
WallyxD
Posts: 273
Registered: ‎10-02-2012

How long should someone wait before applying..

I was looking at numerous credit unions that are close to me and I wanted to know, how long after joining a CU should someone wait before they apply for a CC.? Does anyone have a story where they were approved for a CC right after joining a credit union?

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

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Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012

Re: How long should someone wait before applying..

Does PenFed count?   As a non-member, when applying for a card you have to join, so this is 0 wait (and in fact the card app comes first!)

Valued Contributor
MsLadyRover
Posts: 2,727
Registered: ‎03-14-2012

Re: How long should someone wait before applying..

I joined NFCU on a Thursday evening, applied for a credit card on Friday morning, and was approved Friday afternoon.



Starting Score: 639 (Walmart TU)
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Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: How long should someone wait before applying..

My brother joined a CU and applied for a CC same day and got approved instantly.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: How long should someone wait before applying..

CUs are not like most other lenders. CUs will allow multiple credit products with one pull. You are able to get approved right away for products if eligible.


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Last Credit Card App: 11/16/13
Established Member
ycm
Posts: 45
Registered: ‎01-27-2013

Re: How long should someone wait before applying..

+1 ymmv

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