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WOW!!!!! Loving my Credit Union

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eparker
Frequent Contributor

WOW!!!!! Loving my Credit Union

Well, I had'nt apped for anything in awhile.  They normally pull EQ, and they did today.  I did'nt know what to expect.  They just called and said, I could only approve you for $5000.00 Smiley Surprised.  She asked would that be OK.  I said sure, as I was smiling on the inside.  This is now my highest limit card, and they report to all 3 credit bureaus.  

 

Hoping this will open the door for more CC's with larger limits.  Might have to get rid of my Cap1 cards, only $750 limit on two cards.  Only thing she said my EQ score was 641 when MyFico has it at 663.  Still pleased with my new card.

Starting Score: Mid 500's
EQ-701 TU-693 EXP-698
Goal Score:750+

NavChek $15,000/NFCU nRewards Visa $12,000/American Express Rewards Gold NPSL/USAA Rewards World Mastercard $7000/USAA Visa Platinum $7000/Barclay $3900/Credit Union Visa $5000/Jareds $7600/BofA Visa $4000/USAA MC $1500/Walmart $1200//Amazon $1000/Discover Card $750/Cap1 $2250.







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Message 1 of 11
10 REPLIES 10
LS2982
Mega Contributor

Re: WOW!!!!! Loving my Credit Union


@eparker wrote:

Well, I had'nt apped for anything in awhile.  They normally pull EQ, and they did today.  I did'nt know what to expect.  They just called and said, I could only approve you for $5000.00 Smiley Surprised.  She asked would that be OK.  I said sure, as I was smiling on the inside.  This is now my highest limit card, and they report to all 3 credit bureaus.  

 

Hoping this will open the door for more CC's with larger limits.  Might have to get rid of my Cap1 cards, only $750 limit on two cards.  Only thing she said my EQ score was 641 when MyFico has it at 663.  Still pleased with my new card.


CONGRATS!!!!

 

AWESOME CL!!




EQ FICO 548 3/3/16
Message 2 of 11
Anonymous
Not applicable

Re: WOW!!!!! Loving my Credit Union

i love credit unions, my credit union is awesome gives me back like 50$ a month just for keeping my money with them.. alot more then chase has ever done for me

Message 3 of 11
Kay_Cee
Regular Contributor

Re: WOW!!!!! Loving my Credit Union

Congrats!  That is a nice starting limit with your CU!!

Message 4 of 11
LS2982
Mega Contributor

Re: WOW!!!!! Loving my Credit Union

I can't wait to be able to step foot into PSECU credit products sometime next year!! I really want that 5K Combo they offer!




EQ FICO 548 3/3/16
Message 5 of 11
eparker
Frequent Contributor

Re: WOW!!!!! Loving my Credit Union

My goal is to get back into the Amex family, and get a USAA Visa or MC with a high CL.  After that I think I will be done.  

Starting Score: Mid 500's
EQ-701 TU-693 EXP-698
Goal Score:750+

NavChek $15,000/NFCU nRewards Visa $12,000/American Express Rewards Gold NPSL/USAA Rewards World Mastercard $7000/USAA Visa Platinum $7000/Barclay $3900/Credit Union Visa $5000/Jareds $7600/BofA Visa $4000/USAA MC $1500/Walmart $1200//Amazon $1000/Discover Card $750/Cap1 $2250.







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Message 6 of 11
LS2982
Mega Contributor

Re: WOW!!!!! Loving my Credit Union


@eparker wrote:

My goal is to get back into the Amex family, and get a USAA Visa or MC with a high CL.  After that I think I will be done.  


Give it 6 months with good payment and usage and you'll be in with AMEX!!! Good luck to you!!




EQ FICO 548 3/3/16
Message 7 of 11
bichonmom
Senior Contributor

Re: WOW!!!!! Loving my Credit Union

Congrats! You have a great CU. So many CCs don't want to be the first one to give you a big CL. Definitely don't need those Cap Ones any more. I just closed my $750 Cap One the other day since they won't CLI or waive the AF. Next day, I got a Chase for $3k. Cap One is great for rebuilding, but beyond that, they don't seem to want to serve this market.

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 8 of 11
LS2982
Mega Contributor

Re: WOW!!!!! Loving my Credit Union


@bichonmom wrote:

Congrats! You have a great CU. So many CCs don't want to be the first one to give you a big CL. Definitely don't need those Cap Ones any more. I just closed my $750 Cap One the other day since they won't CLI or waive the AF. Next day, I got a Chase for $3k. Cap One is great for rebuilding, but beyond that, they don't seem to want to serve this market.

 


There is a member here who successfully converted his into a ventureone after having it for quite awhile. So whats letting it age for awhile in the SD and a charge here and there?? I would do that.




EQ FICO 548 3/3/16
Message 9 of 11
eparker
Frequent Contributor

Re: WOW!!!!! Loving my Credit Union

Yep...I agree about Cap1.  I will probably wait 6 months and go for an Amex and another USAA card.  

Starting Score: Mid 500's
EQ-701 TU-693 EXP-698
Goal Score:750+

NavChek $15,000/NFCU nRewards Visa $12,000/American Express Rewards Gold NPSL/USAA Rewards World Mastercard $7000/USAA Visa Platinum $7000/Barclay $3900/Credit Union Visa $5000/Jareds $7600/BofA Visa $4000/USAA MC $1500/Walmart $1200//Amazon $1000/Discover Card $750/Cap1 $2250.







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Message 10 of 11
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