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First message, but long time lurking and learning 
Tuscani's tip on Christian Community Credit Union:
The first one is Christian Community Credit Union. They offer a nice CC, great refi rates, and are very lenient and BK friendly.. Be careful with them if your DTI is high though. NOTE: You do not have to be Christian to apply.
I just applied for their Visa with a request for a balance transfer. A few seconds after I pushed the submit button I received a popup that said a lending agent would be contacting me within 24 hours. Is this the normal response before approval or is this the Christian Community Credit Union version of the "within 7-10 days" response. Anybody else applied for this yet?
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