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Joint Accounts w/ Christian Community Credit Union

Established Contributor

Re: Update: Joint Accounts w/ Christian Community Credit Union

That's strange... Smiley Surprised
 
I was concidering giving them a call, but maybe I'll wait for them to call me...
 
What were your scores? They pulled EX for me.

Rob
Message 11 of 20
Established Contributor

Re: Update: Joint Accounts w/ Christian Community Credit Union

I don't have a current for EX but it was 661, TU 659, EQ 691. But my report is dirty...everything is old and paid. No BK. I was approved for the AMEX delta, they bumped the cl to 5K on activation...and they declinded me for the HHonors..for some bunk reason. So I applied for the Starwood.  No answer on that yet.  I'm done though, no matter what the outcome is on these last two. I feeling like I have pushed to hard...time to cool it for a while.
9/18/08 TU=707 EQ=706 EX=702
Message 12 of 20
Established Contributor

Update: Christian Community Credit Union

Nice woman called today and asked for Proof of Income, DL's and SS Cards and HARD COPY of APPLICATION. I faxed off to her, and spoke after I did... Looks pretty good so far, my fingers are still crossedSmiley Indifferent
 
But somehow it feels like they are in the approval phase of our application. I decided last minute to request a small BT ($1400 WAMU) @ 2.9% for 18 months... That will be the 1% - 9% balance after a first payment.
 
Bruiser was right, they are pretty good at customer service.
 
Take Care.
 
Rob
Message 13 of 20
Regular Contributor

Re: Update: Christian Community Credit Union

any news on your CCCU account?
 
it took a little while for me, here's how it went
 
6/19 - sent in application requesting 5k
6/27 - ran my credit report
6/28 - got an email with a counter-offer of 1k but added my wife as joint to see if CL increased
6/29 - got an email back approved for 2k
7/09 - got my card in the mail
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 14 of 20
Established Contributor

Re: Update: Christian Community Credit Union



Bruiser wrote:
any news on your CCCU account?
 
it took a little while for me, here's how it went
 
6/19 - sent in application requesting 5k
6/27 - ran my credit report
6/28 - got an email with a counter-offer of 1k but added my wife as joint to see if CL increased
6/29 - got an email back approved for 2k
7/09 - got my card in the mail
 


Got a $5,000 approval! Cards should be in the mail box tomorrow or tThursday. Smiley Very Happy
 
Rob
Message 15 of 20
Established Contributor

Re: Update: Christian Community Credit Union

They did ask for proof of income... It was funny, the woman Gerri called and asked my wife if my income was a typoSmiley Very Happy
 
Thanks for your help here.

Rob
Message 16 of 20
Regular Contributor

Re: Update: Christian Community Credit Union

awesome!
 
i'm going to try to ease my way to a 5k limit gradually starting in 6 months
 
i give them an A+ in customer service
and they approved me with a bk,,..they can't be that bad Smiley Very Happy
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 17 of 20
Senior Contributor

Re: Joint Accounts w/ Christian Community Credit Union



FICO_Focused wrote:
Does anyone no if there are other prime lenders that offer Joint Account opportunities?


Wells Fargo is converting DW from AU to joint. Just filled out a form and sent it back.
 
We have a joint State Farm Visa.
 
HSBC said they wouldn't convert from individual to joint. Levitz store card. But I'm going to press them on this.
 
I believe Citibank is no longer issuing joint accounts. Only one I know of to flat out say no to new joint accounts.
 
Message 18 of 20
Frequent Contributor

Re: Joint Accounts w/ Christian Community Credit Union



Noah_Bodie wrote:

 

HSBC said they wouldn't convert from individual to joint. Levitz store card. But I'm going to press them on this.
 
I believe Citibank is no longer issuing joint accounts. Only one I know of to flat out say no to new joint accounts.
 


 
Noah,
I added DH to all my HSBC accts as Joint, no problem, last year. He's adding me to his Best buy reward zone as we speak. I think you spoke to someone in a bad mood.
cheers,
~lori

Message 19 of 20
Senior Contributor

Re: Joint Accounts w/ Christian Community Credit Union



Lori344 wrote:
I added DH to all my HSBC accts as Joint, no problem, last year. He's adding me to his Best buy reward zone as we speak. I think you spoke to someone in a bad mood.


Thanks. I'm definitely going to lean on them.
 
Message 20 of 20