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Hi Guys,
I just got a phone call from the lending department at USA Fed. They needed to verify some information and she said I will have an answer at the end of their business day, which is about an hour from now. This is for their 20K VISA card.
I'll post an update as soon as I get the decision! I'm thinking it's a good thing they called?
UM
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
wish the best
Any News yet ?
Hey Concord,
Their counteroffer was 10K.
I accepted
UM
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
@Uncle_Money wrote:Hey Concord,
Their counteroffer was 10K.
I accepted
UM
Congrats. It is a start and I am sure they will give more CLI's over the period of time.
If they counteroffer, does that mean your chances of approval are good??
Initially I was offered $15k. Then I got a email with a counteroffer for $5k which i accepted and had to upload last two paystubs.
@USC08 wrote:If they counteroffer, does that mean your chances of approval are good??
Initially I was offered $15k. Then I got a email with a counteroffer for $5k which i accepted and had to upload last two paystubs.
Yes.
I was offered $20k at time of joining USA Fed, requested $10k, and was countered with $15k and approved for $15k.
In talking with a USA Fed Rep and Loan Officer, they stated that counter offers are rarely ever declined, since the lending department doesn't usually decline the counter offers (counter offers are custom offered by said lending department) unless something is entirely amiss.