topic Re: GE Visa Signature in Credit Card Approvals

GE Visa Signature

12njoy — Fri, 28 Sep 2018 02:20:29 GMT

I joined GE Credit Union on Tuesday of this week. Put $5 in a savings account. Later that night on Tuesday, I applied for a Visa Signature card and requested $10,000 on the application. Got a call from GE on Wednesday stating that they were unable to pull my EQ credit report. Rep said she would have to see if they could pull TU. I informed her that she needed to call EQ because there must be a certain method to pulling my EQ report because some creditors can get it and some can't. There's no lock or anything on it. Well I call GE today to check status and was told that application was approved for up to $15,000. The rep asked me if I wanted the 10k or the 15k. Naturally 15k. They were able to get my EQ report. I then applied for a 25k personal loan since they said they'll use the same EQ pull from the credit card application. They had my EQ score at 757. I have 39 EQ inq's. Pretty easy application process.

Re: GE Visa Signature

AverageJoesCredit — Fri, 28 Sep 2018 02:25:17 GMT

What an electric story 12 Well done

Re: GE Visa Signature

12njoy — Fri, 28 Sep 2018 02:33:20 GMT

Thanks AVJ

Re: GE Visa Signature

JoeLuvsHisCredit — Fri, 28 Sep 2018 04:20:11 GMT

@12njoy wrote:
I joined GE Credit Union on Tuesday of this week. Put $5 in a savings account. Later that night on Tuesday, I applied for a Visa Signature card and requested $10,000 on the application. Got a call from GE on Wednesday stating that they were unable to pull my EQ credit report. Rep said she would have to see if they could pull TU. I informed her that she needed to call EQ because there must be a certain method to pulling my EQ report because some creditors can get it and some can't. There's no lock or anything on it. Well I call GE today to check status and was told that application was approved for up to $15,000. The rep asked me if I wanted the 10k or the 15k. Naturally 15k. They were able to get my EQ report. I then applied for a 25k personal loan since they said they'll use the same EQ pull from the credit card application. They had my EQ score at 757. I have 39 EQ inq's. Pretty easy application process.

Congrats bud

I love GE when I had account with them but now since i am not in the area i can't rejoin

Re: GE Visa Signature

12njoy — Fri, 28 Sep 2018 04:24:55 GMT

@JoeLuvsHisCredit wrote:
@12njoy wrote:
I joined GE Credit Union on Tuesday of this week. Put $5 in a savings account. Later that night on Tuesday, I applied for a Visa Signature card and requested $10,000 on the application. Got a call from GE on Wednesday stating that they were unable to pull my EQ credit report. Rep said she would have to see if they could pull TU. I informed her that she needed to call EQ because there must be a certain method to pulling my EQ report because some creditors can get it and some can't. There's no lock or anything on it. Well I call GE today to check status and was told that application was approved for up to $15,000. The rep asked me if I wanted the 10k or the 15k. Naturally 15k. They were able to get my EQ report. I then applied for a 25k personal loan since they said they'll use the same EQ pull from the credit card application. They had my EQ score at 757. I have 39 EQ inq's. Pretty easy application process.
Congrats bud
I love GE when I had account with them but now since i am not in the area i can't rejoin

Thanks Joel. I only joined because I helped a friend join Penfed and she did a refinance to pay of GE and I went up with her to give them the payoff check from Penfed. Thought why not join since I'm here. They seem very focused on credit score thougth.

Re: GE Visa Signature

JoeLuvsHisCredit — Fri, 28 Sep 2018 04:30:45 GMT

@12njoy wrote:
@JoeLuvsHisCredit wrote:
@12njoy wrote:
I joined GE Credit Union on Tuesday of this week. Put $5 in a savings account. Later that night on Tuesday, I applied for a Visa Signature card and requested $10,000 on the application. Got a call from GE on Wednesday stating that they were unable to pull my EQ credit report. Rep said she would have to see if they could pull TU. I informed her that she needed to call EQ because there must be a certain method to pulling my EQ report because some creditors can get it and some can't. There's no lock or anything on it. Well I call GE today to check status and was told that application was approved for up to $15,000. The rep asked me if I wanted the 10k or the 15k. Naturally 15k. They were able to get my EQ report. I then applied for a 25k personal loan since they said they'll use the same EQ pull from the credit card application. They had my EQ score at 757. I have 39 EQ inq's. Pretty easy application process.
Congrats bud
I love GE when I had account with them but now since i am not in the area i can't rejoin
Thanks Joel. I only joined because I helped a friend join Penfed and she did a refinance to pay of GE and I went up with her to give them the payoff check from Penfed. Thought why not join since I'm here. They seem very focused on credit score thougth.

Yes they are if you don't have any bad marks on your reports they will let you have anything you want after the 1st year for example back in the day most of my limits were from 500 to 4K and at the end my GE limit was 23K

Re: GE Visa Signature

12njoy — Fri, 28 Sep 2018 04:31:16 GMT

@JoeLuvsHisCredit wrote:
@12njoy wrote:
@JoeLuvsHisCredit wrote:
@12njoy wrote:
I joined GE Credit Union on Tuesday of this week. Put $5 in a savings account. Later that night on Tuesday, I applied for a Visa Signature card and requested $10,000 on the application. Got a call from GE on Wednesday stating that they were unable to pull my EQ credit report. Rep said she would have to see if they could pull TU. I informed her that she needed to call EQ because there must be a certain method to pulling my EQ report because some creditors can get it and some can't. There's no lock or anything on it. Well I call GE today to check status and was told that application was approved for up to $15,000. The rep asked me if I wanted the 10k or the 15k. Naturally 15k. They were able to get my EQ report. I then applied for a 25k personal loan since they said they'll use the same EQ pull from the credit card application. They had my EQ score at 757. I have 39 EQ inq's. Pretty easy application process.
Congrats bud
I love GE when I had account with them but now since i am not in the area i can't rejoin
Thanks Joel. I only joined because I helped a friend join Penfed and she did a refinance to pay of GE and I went up with her to give them the payoff check from Penfed. Thought why not join since I'm here. They seem very focused on credit score thougth.
Yes they are if you don't have any bad marks on your reports they will let you have anything you want after the 1st year for example back in the day most of my limits were from 500 to 4K and at the end GE limit was 23K

Let's see if they go for this 25k personal loan. Should know within 24-48 hours. If they approve, I think I'll only take 10k to consolidate credit card bills

Re: GE Visa Signature

JoeLuvsHisCredit — Fri, 28 Sep 2018 04:34:36 GMT

@12njoy wrote:
@JoeLuvsHisCredit wrote:
@12njoy wrote:
@JoeLuvsHisCredit wrote:
@12njoy wrote:
I joined GE Credit Union on Tuesday of this week. Put $5 in a savings account. Later that night on Tuesday, I applied for a Visa Signature card and requested $10,000 on the application. Got a call from GE on Wednesday stating that they were unable to pull my EQ credit report. Rep said she would have to see if they could pull TU. I informed her that she needed to call EQ because there must be a certain method to pulling my EQ report because some creditors can get it and some can't. There's no lock or anything on it. Well I call GE today to check status and was told that application was approved for up to $15,000. The rep asked me if I wanted the 10k or the 15k. Naturally 15k. They were able to get my EQ report. I then applied for a 25k personal loan since they said they'll use the same EQ pull from the credit card application. They had my EQ score at 757. I have 39 EQ inq's. Pretty easy application process.
Congrats bud
I love GE when I had account with them but now since i am not in the area i can't rejoin
Thanks Joel. I only joined because I helped a friend join Penfed and she did a refinance to pay of GE and I went up with her to give them the payoff check from Penfed. Thought why not join since I'm here. They seem very focused on credit score thougth.
Yes they are if you don't have any bad marks on your reports they will let you have anything you want after the 1st year for example back in the day most of my limits were from 500 to 4K and at the end GE limit was 23K
Let's see if they go for this 25k personal loan. Should know within 24-48 hours. If they approve, I think I'll only take 10k to consolidate credit card bills

@Anonymous luck on the PL. I have been thinking about the same but with BBVA because they preapproved me for 35K @ 7.59% FOR 36 months or 10.09% for 72 months

Re: GE Visa Signature

12njoy — Fri, 28 Sep 2018 04:45:53 GMT

@JoeLuvsHisCredit wrote:
@12njoy wrote:
@JoeLuvsHisCredit wrote:
@12njoy wrote:
@JoeLuvsHisCredit wrote:
@12njoy wrote:
I joined GE Credit Union on Tuesday of this week. Put $5 in a savings account. Later that night on Tuesday, I applied for a Visa Signature card and requested $10,000 on the application. Got a call from GE on Wednesday stating that they were unable to pull my EQ credit report. Rep said she would have to see if they could pull TU. I informed her that she needed to call EQ because there must be a certain method to pulling my EQ report because some creditors can get it and some can't. There's no lock or anything on it. Well I call GE today to check status and was told that application was approved for up to $15,000. The rep asked me if I wanted the 10k or the 15k. Naturally 15k. They were able to get my EQ report. I then applied for a 25k personal loan since they said they'll use the same EQ pull from the credit card application. They had my EQ score at 757. I have 39 EQ inq's. Pretty easy application process.
Congrats bud
I love GE when I had account with them but now since i am not in the area i can't rejoin
Thanks Joel. I only joined because I helped a friend join Penfed and she did a refinance to pay of GE and I went up with her to give them the payoff check from Penfed. Thought why not join since I'm here. They seem very focused on credit score thougth.
Yes they are if you don't have any bad marks on your reports they will let you have anything you want after the 1st year for example back in the day most of my limits were from 500 to 4K and at the end GE limit was 23K
Let's see if they go for this 25k personal loan. Should know within 24-48 hours. If they approve, I think I'll only take 10k to consolidate credit card bills
@Anonymous luck on the PL. I have been thinking about the same but with BBVA because they preapproved me for 35K @ 7.59% FOR 36 months or 10.09% for 72 months

That's sweet. Great APR for both but definitely that 72 months

Re: GE Visa Signature

Anonymous — Fri, 28 Sep 2018 05:52:54 GMT

Congrats on the approval, 12njoy! I would kill (hyperbole) to join a credit union like NFCU.

I am curious: Are you going for 2 million CLs?

Re: GE Visa Signature

Anonymous — Fri, 28 Sep 2018 07:08:18 GMT

Congrats on your GE approval! Nice SL as well

Re: GE Visa Signature

xaximus — Fri, 28 Sep 2018 13:41:54 GMT

Congrats on the approval! Havn't really seen GE CU, are they more location based or all over?

Re: GE Visa Signature

JoeLuvsHisCredit — Fri, 28 Sep 2018 14:04:25 GMT

@xaximus wrote:
Congrats on the approval! Havn't really seen GE CU, are they more location based or all over?

GE is location based

Re: GE Visa Signature

Anonymous — Fri, 28 Sep 2018 14:30:07 GMT

I do a little banking with them and have a VISA...my office is about 3 miles from their big branch in Evendale OH near the GE jet engine plant so they're really close to me physically. Nice people, they have a free coin-counting machine in the lobby. Their website is a little clunky, just got a piece of mail from them the other day that they are changing CC servicers and we should expect new cards with new numbers and a YELLOW BORDER/EDGE to differentiate from the old ones.

Congrats on the approvals!!!

It belatedly occurred to me that there is a General Electric Credit Union in Cincinnati, commonly called GE Credit Union AND another entity called GE Credit Union...perhaps we are talking about two different companies.

Re: GE Visa Signature

19eighty5 — Fri, 28 Sep 2018 14:44:31 GMT

Congratulations on your approval!

Re: GE Visa Signature

12njoy — Fri, 28 Sep 2018 15:21:02 GMT

APR for credit card is 12.49% which is their lowest for the signature version. Also approved for 25k personal loan @11% for 60 months.

Re: GE Visa Signature

JoeLuvsHisCredit — Fri, 28 Sep 2018 15:41:11 GMT

@12njoy wrote:
@APR for credit card is 12.49% which is their lowest for the signature version. Also approved for 25k personal loan @Anonymous% for 60 months.

So happy for you congrats

Re: GE Visa Signature

joltdude — Fri, 28 Sep 2018 17:49:15 GMT

Glad that GE in your area has a decent CU.. the CU thats "GE" affiliated in MA is absolutely awful

Ever hear of River Works CU?

https://www.depositaccounts.com/banks/river-works-credit-union.html

-J

Re: GE Visa Signature

Credit-hoarder — Fri, 28 Sep 2018 23:59:44 GMT

Congrats on another victory 12. I checked out their list of eligible employers to be able to join and it turns out if I lived in Lynchburg, Va. (a few hours away from where I live) I could join--but unfortuneately I don't. So for the time being I'll read about this one from the sidelines-LOL.

Re: GE Visa Signature

12njoy — Mon, 01 Oct 2018 18:25:02 GMT

Update: I was told that my credit score is in Tier 1 so I received their best rate. I originally called to see if I could switch from the Visa Signature to the Visa Classic since that card has a lower APR of 9.24%. I was told that it's possible but they would have to hold the Visa Signature. I then asked if there was a limit to the number of cards. The rep said there is no limit to number of cards but there is a $50,000 unsecured credit limit per member. Since I have the 25k loan and 15k Visa signature, I submitted another application for the Visa Classic for 10k. This one wasn't instantly approved, but I got a call back about 2 hours later saying that it was approved.

FYI,

The credit pull is good for 60 days.