topic Re: Tower Federal Credit Union approved on SP in Credit Card Approvals

Tower Federal Credit Union approved on SP

12njoy — Wed, 21 Sep 2016 20:52:49 GMT

Did some research on the top 50 credit unions and came across Tower. Joined an association for $5 and then applied for membership. No HP for membership. EX and TU on ice. EQ wide open but no HP on EQ either. Applied for a Gold Mastercard last night and got the following message (still no HP):

Loan Status Detail

Application Information
Application Status	APPROVED PENDING	Application Number
Comments
Stipulations	COPY OF TWO MOST RECENT PAY STUBS STATEMENT COPIES FOR BALANCE TRANSFERS (INCLUDING FULL ACCOUNT NUMBERS) SIGNED MASTERCARD APPLICATION

Lender Information
Lender	Tower Federal Credit Union
Address	P.O. Box 123
City	Annapolis Junction	State	MD
Zip	20701	Phone	(301) 497-7000

Card Information
Requested Card	Approved Card	GOLD MASTERCARD
Second Card Holder	Credit Limit	$10,600.00

Re: Tower Federal Credit Union approved on SP

CreditMagic7 — Wed, 21 Sep 2016 20:57:17 GMT

Re: Tower Federal Credit Union approved on SP

12njoy — Wed, 21 Sep 2016 21:17:29 GMT

Tower Federal Credit Union:An update has been made to your loan application with the interest rate of 10.90%. Please review the loan stipulations/information needed by clicking on ‘View Loan’ for the appropriate application. The final interest rate on your loan will be the rate in effect on the day the loan is disbursed to you.

Re: Tower Federal Credit Union approved on SP

Anonymous — Wed, 21 Sep 2016 21:17:39 GMT

12njoy,

Are you a Maryland resident? I looked at the donation section for membership and it said open to MD residents only. Same with the American Consumer Council option--it states must be Maryland chapter. Looks like an interesting CU!

Re: Tower Federal Credit Union approved on SP

12njoy — Wed, 21 Sep 2016 21:33:14 GMT

@Anonymous wrote:
12njoy,

Are you a Maryland resident? I looked at the donation section for membership and it said open to MD residents only. Same with the American Consumer Council option--it states must be Maryland chapter. Looks like an interesting CU!

That is the association that I joined. When I went to the Maryland chapter site, it looped me back to the national site which I joined. I'm not a resident of MD.

Re: Tower Federal Credit Union approved on SP

Anonymous — Wed, 21 Sep 2016 22:01:53 GMT

Congrats 12. I feel there is going to be a rush for TFCU now after this post. Time to sit back and watch it unfold!

Re: Tower Federal Credit Union approved on SP

CreditCuriosity — Wed, 21 Sep 2016 22:02:44 GMT

Congrats Njoy! If this is true a SP CC this CU is about to get the MyFico avalanche hitting it.

Re: Tower Federal Credit Union approved on SP

Anonymous — Wed, 21 Sep 2016 22:31:52 GMT

Only $31,350 to the next milestone!

Re: Tower Federal Credit Union approved on SP

CreditMagic7 — Wed, 21 Sep 2016 22:56:54 GMT

@Anonymous wrote:
Only $31,350 to the next milestone!

And coming up soon

Nice find BTW on that one 12njoy.

Re: Tower Federal Credit Union approved on SP

12njoy — Thu, 22 Sep 2016 01:22:59 GMT

@Anonymous wrote:
Congrats 12. I feel there is going to be a rush for TFCU now after this post. Time to sit back and watch it unfold!

This sounds to good to be true

Re: Tower Federal Credit Union approved on SP

12njoy — Thu, 22 Sep 2016 01:24:49 GMT

@CreditCuriousity wrote:
Congrats Njoy! If this is true a SP CC this CU is about to get the MyFico avalanche hitting it.

I am assuming it's a SP since EX and TU are on ice and no HP on EQ. Didn't see a SP on EQ though.

Re: Tower Federal Credit Union approved on SP

12njoy — Thu, 22 Sep 2016 01:31:23 GMT

@CreditMagic7 wrote:
@Anonymous wrote:
Only $31,350 to the next milestone!
And coming up soon
Nice find BTW on that one 12njoy.

no no no no

Re: Tower Federal Credit Union approved on SP

Creditaddict — Thu, 22 Sep 2016 04:04:08 GMT

I was so excited all the way up to the POI

Re: Tower Federal Credit Union approved on SP

12njoy — Thu, 22 Sep 2016 13:53:40 GMT

Full approval without a HP:

Loading Data...

Loan Status Detail

= required field

Application Information
Application Status	APPROVED	Application Number
Comments
Stipulations	COPY OF TWO MOST RECENT PAY STUBS STATEMENT COPIES FOR BALANCE TRANSFERS (INCLUDING FULL ACCOUNT NUMBERS) SIGNED MASTERCARD APPLICATION

Lender Information
Lender	Tower Federal Credit Union
Address	P.O. Box 123
City	Annapolis Junction	State	MD
Zip	20701	Phone	(301) 497-7000

Card Information
Requested Card	Approved Card	GOLD MASTERCARD
Second Card Holder	Credit Limit	$10,600.00

Re: Tower Federal Credit Union approved on SP

12njoy — Thu, 22 Sep 2016 19:38:53 GMT

As everyone knows, I'm always pushing the envelope with my credit. Well I applied for a LOC with Tower which was denied after review, citing excessive unsecured debt (credit). EX and TU are still on ice and I just pulled a new EQ report and no HP from Tower. It would appear that there decisions are done by SP for sure. If anyone applies and get's a SP approval or denial, please report back. Thank you.

Re: Tower Federal Credit Union approved on SP

Anonymous — Thu, 22 Sep 2016 20:32:58 GMT

@12njoy wrote:
As everyone knows, I'm always pushing the envelope with my credit. Well I applied for a LOC with Tower which was denied after review, citing excessive unsecured debt (credit). EX and TU are still on ice and I just pulled a new EQ report and no HP from Tower. It would appear that there decisions are done by SP for sure. If anyone applies and get's a SP approval or denial, please report back. Thank you.

Countdown to the stampede.

Re: Tower Federal Credit Union approved on SP

12njoy — Thu, 22 Sep 2016 20:41:00 GMT

@Anonymous wrote:
@12njoy wrote:
As everyone knows, I'm always pushing the envelope with my credit. Well I applied for a LOC with Tower which was denied after review, citing excessive unsecured debt (credit). EX and TU are still on ice and I just pulled a new EQ report and no HP from Tower. It would appear that there decisions are done by SP for sure. If anyone applies and get's a SP approval or denial, please report back. Thank you.
Countdown to the stampede.

@I would make sure that all the necessary precautions are in place before applying. Did I mention I got $10,600 @ 10.9%

Re: Tower Federal Credit Union approved on SP

Anonymous — Thu, 22 Sep 2016 20:41:34 GMT

12njoy, you are amazing! Congratulations, you know how to do it!

How do you keep all your cards "straight?" I have a ton and I keep them on a list tracking usage, etc. Do you do that? Please don't answer if you don't want to, but I am really interested.

Re: Tower Federal Credit Union approved on SP

baller4life — Thu, 22 Sep 2016 20:50:03 GMT

Congrats 12 for another CU find and approval!! Who's next? 😁

Re: Tower Federal Credit Union approved on SP

12njoy — Thu, 22 Sep 2016 21:07:08 GMT

@Anonymous wrote:
12njoy, you are amazing! Congratulations, you know how to do it!

How do you keep all your cards "straight?" I have a ton and I keep them on a list tracking usage, etc. Do you do that? Please don't answer if you don't want to, but I am really interested.

I have a spreadsheet to keep track of close dates, due dates, payments and limits. That's the only way I can manage them