topic Re: Approved for a 3K mastercard with RBFCU! in Credit Card Approvals

Approved for a 3K mastercard with RBFCU!

ah32 — Fri, 24 Apr 2015 03:14:39 GMT

I have been building for some time and recently joined RBFCU. I was told my score was 648, so I decided to try to get their 0% intro rate for balance transfers and was approved! 3K! My next highest card is $750. It's exciting and I can finally see the end of this nightmare! They ask for the amount you would like and I asked for 3K. Almost wish I asked for more! Maybe in a few months when my student loans are rehabbed.

I also applied for a car loan and was approved for 7.99%. I chose to go with BMW financial, but was relieved that I was approved. I plan to refi with them once my score is over 720 and I qualify for 1.65%.

Re: Approved for a 3K mastercard with RBFCU!

datrucking210 — Fri, 24 Apr 2015 03:56:53 GMT

@ah32 wrote:
I have been building for some time and recently joined RBFCU. I was told my score was 648, so I decided to try to get their 0% intro rate for balance transfers and was approved! 3K! My next highest card is $750. It's exciting and I can finally see the end of this nightmare! They ask for the amount you would like and I asked for 3K. Almost wish I asked for more! Maybe in a few months when my student loans are rehabbed.

I also applied for a car loan and was approved for 7.99%. I chose to go with BMW financial, but was relieved that I was approved. I plan to refi with them once my score is over 720 and I qualify for 1.65%.

Congrats!!!

Can you provide some stats, like AAOA or any baddies

Re: Approved for a 3K mastercard with RBFCU!

joedtx — Fri, 24 Apr 2015 04:04:08 GMT

Congrats on your approvals, you might want to consider DCU for the refi on your auto they offer 1.49% and minimum CS of 680. Rbfcu is great to deal with but to qualify for the 1.65% might take some time. Good Luck.

Re: Approved for a 3K mastercard with RBFCU!

gdale6 — Fri, 24 Apr 2015 04:23:43 GMT

Grats on the auto and card approvals

Re: Approved for a 3K mastercard with RBFCU!

ah32 — Fri, 24 Apr 2015 04:35:13 GMT

Transunion is my highest score and RBFCU pulls transunion. I have 6 baddies. Average age is 4 years. 3 of my baddies are my student loans that will be rehabbed soon. My other 3 baddies are paid after collection accounts and will be removed in October unless I can get the bureaus to remove as an early exclusion. My score could possibly jump over 720! I'm hopeful! Plus, my utilization is going to be much better once I transfer some balances. It's all coming together! I plan to pay off my debt in the 9 months I have 0% interest! Now that I bought a car, my next goal is to buy a house in the next year or two.

Re: Approved for a 3K mastercard with RBFCU!

CreditMagic7 — Fri, 24 Apr 2015 04:40:08 GMT

Congrats on both the auto and card approvals

Re: Approved for a 3K mastercard with RBFCU!

ah32 — Fri, 24 Apr 2015 04:49:32 GMT

Thanks everyone! One other thing,they didn't pull an auto enhanced score for my auto application. From what I can tell, they pulled the fico bank card score 4 which is what I think they used for my credit application.

Re: Approved for a 3K mastercard with RBFCU!

uswala — Fri, 24 Apr 2015 14:36:51 GMT

Congrats on the approval!

Re: Approved for a 3K mastercard with RBFCU!

ah32 — Fri, 24 Apr 2015 20:06:53 GMT

It's a great day!! I paid off 5 high interest credit cards at 0% with my new card. It was extremely easy! Transferred a cash advance to my new checking and made the payments immediately. They give you the same 0% with no added fees. I triple verified to be sure. It feels awesome and I'll definitely be a customer for life! Who knew this could feel so fantastic?!

I was a little concerned to use the full amount (now I wish I had asked for more!!), but I plan to pay off as quickly as possible. If they see I'm paying off this card, I hope they'll be open to a credit limit increase in the future.

Re: Approved for a 3K mastercard with RBFCU!

Anonymous — Fri, 24 Apr 2015 20:12:18 GMT

Congrats on your approval

Re: Approved for a 3K mastercard with RBFCU!

ScoreOrBeScored — Fri, 24 Apr 2015 22:59:00 GMT

@ah32 wrote:
It's a great day!! I paid off 5 high interest credit cards at 0% with my new card. It was extremely easy! Transferred a cash advance to my new checking and made the payments immediately. They give you the same 0% with no added fees. I triple verified to be sure. It feels awesome and I'll definitely be a customer for life! Who knew this could feel so fantastic?!

I was a little concerned to use the full amount (now I wish I had asked for more!!), but I plan to pay off as quickly as possible. If they see I'm paying off this card, I hope they'll be open to a credit limit increase in the future.

Congrats. I joined April 3rd myself and loving it.

I got Checking

2 Savings

@Anonymous Refi @ 1.65%

@PLOC $10k @ 8.9%

@Anonymous $15k @ 7.7%

They asked how much I wanted and I said $15k and they granted. Asked for $15k on the PLOC and they offered $10k

i also did the cash advance directly into my checking account and paid some cards off. I cash advance $3k and will do another $3k

before my 180 days are up to still get the 9 month 0% offer. I was able to cash advance without having my card yet. It doesn't have to be

activated to cash advance. Lol

i also deposited $400 from my PLOC to test it out.

You do know your HP is good for 45 days. Call the lending department and ask for a higher limit.

Congrats again and I'm enjoying it al so far.

Re: Approved for a 3K mastercard with RBFCU!

Anonymous — Fri, 24 Apr 2015 23:08:45 GMT

Congrats! You're on your way!!!! BMW if my favorite.

Re: Approved for a 3K mastercard with RBFCU!

TURNERHOOVER — Fri, 24 Apr 2015 23:09:16 GMT

CONGRATS.

Re: Approved for a 3K mastercard with RBFCU!

ah32 — Fri, 24 Apr 2015 23:09:20 GMT

I was told I had 90 days to get 0% and then an email said 7 days (before I even get the card!). I would double check. Doesn't affect me because I already paid everything off. I'm going to call to ask for a cli and loc. Thanks!

I'll refi soon! I was told you have to be over 720 to get 1.65%.

LOVE RBFCU!!