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How long should someone wait before applying..

Frequent Contributor

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 CC: $1,050 | AEO Visa: $1,890 | Cap1 QS: $2,100 | Chase Freedom: $1,000 | Citi Forward: $1,500 | Citi Double Cash: $1,000 | Discover iT: $500 | GameStop: $1,650 | Overstock: $1,700 | PayPal Smart Connect: $1,500 | Walmart $2,200

TU (Discover): 663 | EQ (Citi): 651
Message 1 of 6
5 REPLIES
Valued Contributor

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!)

Message 2 of 6
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Valued Contributor

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)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Message 3 of 6
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 6
Valued Contributor

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.


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 5 of 6
Established Member

Re: How long should someone wait before applying..

+1 ymmv

Amex Delta Gold | Amex BCE | BofA Travel Visa Sig | Discover IT | Fidelity Visa | REI Visa Sig
Message 6 of 6