topic Re: Chartway Federal Credit Union Signature Rewards Approval in Credit Card Approvals

Chartway Federal Credit Union Signature Rewards Approval

Anonymous — Mon, 28 Jan 2019 21:24:00 GMT

The Credit Union spree continues!

Thanks to Sasuke for providing his signature line . I just joined Chartway Federal Credit Union through a $10 donation. Was going to just join and deposit $5 and wait for a pre-approval at some point. When I submitted the application it said I was instantly approved for the savings account, and also instantly approved for one of their two credit cards, both at 14.7% APR and $15,000 credit limit, I just chose the Signature Rewards since it was 1.5x cash back and boom, done!

Not sure what they pulled yet as I haven't gotten a notification...hopefully this helps someone else. Many INQ in all agencies, 20+. I didn't know they were going to pull my report at all, so anyone that wants to apply for the savings to join, beware. My pull was very productive so I don't mind .

Re: Chartway Federal Credit Union Signature Rewards Approval

FinStar — Tue, 29 Jan 2019 02:55:27 GMT

Congrats on your approval with Chartway FCU. I don't think I've ever seen anything posted about them.

Sounds like the process was seamless and pretty straight forward?

Re: Chartway Federal Credit Union Signature Rewards Approval

19eighty5 — Tue, 29 Jan 2019 03:09:26 GMT

Congratulations on your approval! First time i've heard of this union as well!

Re: Chartway Federal Credit Union Signature Rewards Approval

Anonymous — Tue, 29 Jan 2019 03:17:18 GMT

COngrats on your approval and very nice SL !!!!

Re: Chartway Federal Credit Union Signature Rewards Approval

SouthJamaica — Tue, 29 Jan 2019 03:31:51 GMT

@Anonymous wrote:
The Credit Union spree continues!

Thanks to Sasuke for providing his signature line . I just joined Chartway Federal Credit Union through a $10 donation. Was going to just join and deposit $5 and wait for a pre-approval at some point. When I submitted the application it said I was instantly approved for the savings account, and also instantly approved for one of their two credit cards, both at 14.7% APR and $15,000 credit limit, I just chose the Signature Rewards since it was 1.5x cash back and boom, done!

Not sure what they pulled yet as I haven't gotten a notification...hopefully this helps someone else. Many INQ in all agencies, 20+. I didn't know they were going to pull my report at all, so anyone that wants to apply for the savings to join, beware. My pull was very productive so I don't mind .

Thanks for your post. I'd never heard of Chartway. Inspired by your post, I visited their site, saw they had a pretty neat card for my purposes (the Visa rewards card), applied, and was instantly approved for 15k with 9.24% interest rate.

Thank you!!!

Re: Chartway Federal Credit Union Signature Rewards Approval

19eighty5 — Tue, 29 Jan 2019 03:33:47 GMT

@SouthJamaica wrote:
@Anonymous wrote:
The Credit Union spree continues!

Thanks to Sasuke for providing his signature line . I just joined Chartway Federal Credit Union through a $10 donation. Was going to just join and deposit $5 and wait for a pre-approval at some point. When I submitted the application it said I was instantly approved for the savings account, and also instantly approved for one of their two credit cards, both at 14.7% APR and $15,000 credit limit, I just chose the Signature Rewards since it was 1.5x cash back and boom, done!

Not sure what they pulled yet as I haven't gotten a notification...hopefully this helps someone else. Many INQ in all agencies, 20+. I didn't know they were going to pull my report at all, so anyone that wants to apply for the savings to join, beware. My pull was very productive so I don't mind .
Thanks for your post. I'd never heard of Chartway. Inspired by your post, I visited their site, saw they had a pretty neat card for my purposes (the Visa rewards card), applied, and was instantly approved for 15k with 9.24% interest rate.

Thank you!!!

Congrats! Which credit bureau did they pull?

Re: Chartway Federal Credit Union Signature Rewards Approval

AverageJoesCredit — Tue, 29 Jan 2019 03:50:17 GMT

Congrats Op

Nice @SouthJamaica Im given her a nice look right now. Anytime i can expand my CU options outside of PF, ill take a look. I also like how i can apply from where i live, many dont take apps from my location.

Re: Chartway Federal Credit Union Signature Rewards Approval

SouthJamaica — Tue, 29 Jan 2019 03:53:11 GMT

@19eighty5 wrote:
@SouthJamaica wrote:
@Anonymous wrote:
The Credit Union spree continues!

Thanks to Sasuke for providing his signature line . I just joined Chartway Federal Credit Union through a $10 donation. Was going to just join and deposit $5 and wait for a pre-approval at some point. When I submitted the application it said I was instantly approved for the savings account, and also instantly approved for one of their two credit cards, both at 14.7% APR and $15,000 credit limit, I just chose the Signature Rewards since it was 1.5x cash back and boom, done!

Not sure what they pulled yet as I haven't gotten a notification...hopefully this helps someone else. Many INQ in all agencies, 20+. I didn't know they were going to pull my report at all, so anyone that wants to apply for the savings to join, beware. My pull was very productive so I don't mind .
Thanks for your post. I'd never heard of Chartway. Inspired by your post, I visited their site, saw they had a pretty neat card for my purposes (the Visa rewards card), applied, and was instantly approved for 15k with 9.24% interest rate.

Thank you!!!
Congrats! Which credit bureau did they pull?

I believe Equifax.

Re: Chartway Federal Credit Union Signature Rewards Approval

SouthJamaica — Tue, 29 Jan 2019 03:56:06 GMT

@AverageJoesCredit wrote:
Congrats Op

Nice @SouthJamaica Im given her a nice look right now. Anytime i can expand my CU options outside of PF, ill take a look. I also like how i can apply from where i live, many dont take apps from my location.

Here's a tip @AverageJoesCredit

I applied for the credit card first. Applied for 15k and was instant approved

I applied for membership afterwards. After I'd submitted my app for the savings & checking, guess what: there was a

message that I was preapproved for the credit card at 25k at 9.24%.

So it's possible that, had I applied for the deposit accounts first, I might have wound up with a 25k card instead of a 15k card.

Re: Chartway Federal Credit Union Signature Rewards Approval

Anonymous — Tue, 29 Jan 2019 03:59:18 GMT

Congratulations!

It’s good to see another decent CU option (although ScoreCard valuations are .6-.8cpp normally so I definitely wouldn’t put a lot of spend on them) that everyone can join!

Re: Chartway Federal Credit Union Signature Rewards Approval

Anonymous — Tue, 29 Jan 2019 04:35:16 GMT

I'm glad I'm spreading the word for Chartway. They have been great to me. I have an auto loan with them.

They're my highest limit credit card. The website and app aren't bad either.

Re: Chartway Federal Credit Union Signature Rewards Approval

AverageJoesCredit — Tue, 29 Jan 2019 20:21:36 GMT

Probably saved myself a hp anyway. I really should be gardening but i did unlock my TU and Eq just in case . Applied for membership but they need dl and proof of residence. I also apped the cc just in case but today got an email that said declined due to no credit file?. No hps anywhere so not sure about that. Was waiting to hear back if i could send in different docs for proof of residence as i pay my water lights but bill isnt in my name. Like i said, things happen for a reason so ah well. DANG SJ, 25k would have been sweet

Re: Chartway Federal Credit Union Signature Rewards Approval

CreditCuriosity — Wed, 30 Jan 2019 02:28:33 GMT

@FinStar wrote:
Congrats on your approval with Chartway FCU. I don't think I've ever seen anything posted about them.

Sounds like the process was seamless and pretty straight forward?

Denied card at 780 EQ fico a few months back. Obviously more goes into it then score, but said to much available credit or something along those lines

well it appears SJ also got in with quite a bit of credit.. Maybe they didn't like something else about me shrug? 350k approx in personal credit decent 6 figure income owed 5k approx on cc at time 1% utilization, etc... who knows

edit: found AA letter see other post later down

Congrats OP!

Re: Chartway Federal Credit Union Signature Rewards Approval

AverageJoesCredit — Wed, 30 Jan 2019 02:09:37 GMT

The second email i got today for membership has a laundry list of things they would take as evidence. Meh, i wish it were like my Langley experience. Upload dl, upload 2 paystubs and voila, in. If they didnt like you CC, they wouldnt like me lol. Oh yeah CC, keep striking out on Discover. 2 more days til my official 90 days from last cli. Strict on protocol as fico

Re: Chartway Federal Credit Union Signature Rewards Approval

CreditCuriosity — Wed, 30 Jan 2019 02:26:35 GMT

Oops my mistake found the AA letter..

Reason was couldn't verify idenity although they gave me membership which i no longer have due to dumb reason as no need for a CU if can't have access to credit products IMO. Reason behind it is I have had two residence in the last year. Well duh I bought a house and obviously had to move to house from apt i lived in for the two years prior to that. Wasnt too much credit I appologize. I think it was beteween the move and alot of available credit that gave them the scare.

Glad it is working for some though, just make sure you haven't moved recently and bought a house in the last year or two

Re: Chartway Federal Credit Union Signature Rewards Approval

Anonymous — Wed, 30 Jan 2019 02:31:07 GMT

I moved in August, still have my previous states ID as well, ID. Just sent them my latest mortgage statement, paystub and utility bill as proof of new address . All good.

Re: Chartway Federal Credit Union Signature Rewards Approval

bigpoppa09 — Wed, 30 Jan 2019 04:57:28 GMT

I have close to $400K in available credit i may pass they may shoot me down 4 that.

Re: Chartway Federal Credit Union Signature Rewards Approval

SouthJamaica — Wed, 30 Jan 2019 17:24:45 GMT

@bigpoppa09 wrote:
I have close to $400K in available credit i may pass they may shoot me down 4 that.

Maybe, maybe not. But -- unlike many other credit unions -- they didn't say boo about my more than 500k in available credit, plus recent inquiries and accounts.

Re: Chartway Federal Credit Union Signature Rewards Approval

SFLSpotter9210 — Wed, 30 Jan 2019 18:27:57 GMT

Congratulations on your account 😎.

Re: Chartway Federal Credit Union Signature Rewards Approval

Anonymous — Wed, 30 Jan 2019 18:31:33 GMT

@AverageJoesCredit wrote:
The second email i got today for membership has a laundry list of things they would take as evidence. Meh, i wish it were like my Langley experience ...

My "laundry list" consisted of a DL pic (which I had to resubmit) & utility bill, then pass 5 verification questions (mostly old addresses). Started it online Sunday & got the Approved email this morning. Not too bad.

Langley, on the other hand, not so much (I added the details to the CU thread).

Goes to show, as always, YMMV.