topic Re: CEFCU Credit Card APPROVED in Credit Card Approvals

CEFCU Credit Card APPROVED

The-Credit-Disciple — Thu, 31 Oct 2019 21:35:32 GMT

Good afternoon Fico Fam😀
Just Got approved through our Credit Union for there Rewards Credit card. SL 12K😀😀😀😀 THIS CREDIT union has been good to us. Our APR on the CC is 11.5% which is the lowest rate that we have ever had on a CC. We are super hapoy right now. I am really going into the Garden. No more CC apps for a very long time

Re: CEFCU Credit Card APPROVED

Rebuild2019 — Thu, 31 Oct 2019 21:42:16 GMT

Congratulations on the card, limit and APR!

Re: CEFCU Credit Card APPROVED

AllZero — Thu, 31 Oct 2019 21:45:19 GMT

Congratulations on your approval!

Please provide data points so we may or may not make a stampede to said credit union.

Geo-fence?
Hard pull for membership?
Which bureau do they pull?
Inquiry or new account sensitive?

Re: CEFCU Credit Card APPROVED

Anonymous — Thu, 31 Oct 2019 21:53:12 GMT

Congrats on your new CEFCU Credit card!

Re: CEFCU Credit Card APPROVED

The-Credit-Disciple — Thu, 31 Oct 2019 22:01:44 GMT

Data points are as follows: membership at least open an account. Must live in the Bay area in CA. They Pulled Transunion exclusively. My Fico 8 Trans is 723, I asked for 12k and they. Said I needed additional income. So My Wifey said she would'nt mind being added so she called in and gave them her info and BOOM instant approval. This Credit union has been Nice to us. It was a HP, I dont think they are Inquiry sensitive. I have 13 inq on my transunion. I dont think they are new account sensitive neither because in the last 2 months I have open 3 in CC Accounts this being the 4th. I think the Income is what mattered in our approval because mine alone was not enough but once mt Wife got added it was Cake and Ice cream for sure😀

Re: CEFCU Credit Card APPROVED

AllZero — Thu, 31 Oct 2019 21:57:46 GMT

Thank you.

It's a very respectable credit limit and nice APR!

Re: CEFCU Credit Card APPROVED

The-Credit-Disciple — Thu, 31 Oct 2019 22:04:40 GMT

I could nt believe the APR . I think they trust us because we have 2 Auto Loans with them as well and have not been Late

Re: CEFCU Credit Card APPROVED

Anonymous — Thu, 31 Oct 2019 22:03:45 GMT

Congrats on a great approval!

Membership is also open to a number of places in IL. https://www.cefcu.com/membership-eligibility.html

They were advertising pretty heavily on Hulu for awhile. Didn't make sense for me to be getting the ads being in CO but they were there.

Re: CEFCU Credit Card APPROVED

The-Credit-Disciple — Thu, 31 Oct 2019 22:06:01 GMT

Thats cool they are expanding. They are very nice the CUSTOMER SERVICE IS REALLY GOOD IN OUR EXPERIENCE

Re: CEFCU Credit Card APPROVED

Pro-X — Thu, 31 Oct 2019 22:32:39 GMT

Congrats on your approval!!

Re: CEFCU Credit Card APPROVED

Meanmchine — Fri, 01 Nov 2019 00:38:24 GMT

Congrats !

Re: CEFCU Credit Card APPROVED

M_Smart007 — Fri, 01 Nov 2019 02:17:36 GMT

Congrats on yer approval!!

Re: CEFCU Credit Card APPROVED

coreyb80 — Fri, 01 Nov 2019 14:02:31 GMT

Congrats on the approval and nice SL!!

Re: CEFCU Credit Card APPROVED

The-Credit-Disciple — Fri, 01 Nov 2019 14:15:18 GMT

Thanks Everyone