Union Bank Black AMEX

[Ron1]

Yes. Alliant CU HP for opening membership and they offered me pre-approval for Visa and auto loan during opening the membership.  One HP got me a checking and Visa credit card for $10K. That's was a good deal. I called them to open LOC on the following day and it was another HP. They pulled Chex and EQ to open the membership. I heard they don't offer any pre-approval any more. 

Ron.

[Anonymous]

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@Ron1 wrote:

Yes. Alliant CU HP for opening membership and they offered me pre-approval for Visa and auto loan during opening the membership.  One HP got me a checking and Visa credit card for $10K. That's was a good deal. I called them to open LOC on the following day and it was another HP. They pulled Chex and EQ to open the membership. I heard they don't offer any pre-approval any more. 

Ron.

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Yea that's what I have read...bummer  When did you join and how many inq did you have at the time if you remember?

[Ron1]

It was almost three years ago (May 2009) and I had 3 to four INQs on my EQ.  By the way, I heard they don't offer overdraft LOC any more. Alliant CU offers generous CL credit card and the rewards is just ok. I used it a couple of times to keep it open. They have good interest rate on their deposit account. No cash back like Firstmark CU.

Ron.

[cjoyglam]

Ron- Did you say they did not give you an immediate answer? I just applied for the Graphite and the response said we will get back to you in 2-4 weeks?

[andre181]

FNBO is not as conservative as people here make them out to be. They are my highest limit at $19,000. They do tend to start you with lower limis than bigger banks but they grow way faster.

There was a thread here recently about FNBO Luv. Soft pull CLI's every 4 months are very nice also.

They don't give instant approvals. A human manually reviews every application, so it does take about 2+ weeks to hear back from them.