topic Re: Rural King Harvest $6,000 (Redstone FCU) in Credit Card Approvals

Rural King Harvest $6,000 (Redstone FCU)

AnimatorProcrastinator — Mon, 30 Mar 2020 15:56:02 GMT

I saw that Redstone FCU has a ~%5 apy savings account up to $2,500 and was very interested in joining this credit union. Thanks to a post from Gmood, I read that applying for this card is a way to both gain membership and get a card with 1 hp rather than 2 (one for joining, and one for apping for a card). I figured if i'm going to get an HP I may as well get a card too. Approved for $6,000. Pulled EX (Fico 8 is 740, not sure which version they look at). 17 inqs and newest account is 3 months old (new NFCU plat obvi not reporting yet), AAoA is around 1 year 1 month, oldest is 2.8 years. So, this credit union is definitely not sensitive to anything, but according to other posts it is still good idea to have a 700 score when apping. Very excited to get into this CU and maybe get their Visa Sig down the road. I apped at around 12 am (I am starting to see a correlation between my apping and being up late...) so it went into review but was approved at 9 am this morning. No verification besides when apping I uploaded my DL to 'prefill', i'm not sure if that was optional but I figured it wouldn't hurt for security verification.

The card has APR fixed at %18 but has 6 months intro %0. You get %5 CB at Rural King ( I live in Minneapolis so...) and %1.5 everywhere else so it is still a nice non-category card. I haven't seen an approval for less then $5,000 on myFico so if you're looking to join a CU and not get an initial toy-limit this might be a good choice.

Re: Rural King Harvest $6,000 (Redstone FCU)

AllZero — Mon, 30 Mar 2020 16:00:46 GMT

Congratulations on your approval!

Re: Rural King Harvest $6,000 (Redstone FCU)

M_Smart007 — Mon, 30 Mar 2020 16:02:25 GMT

Congrats!

Re: Rural King Harvest $6,000 (Redstone FCU)

M_Smart007 — Mon, 30 Mar 2020 16:03:57 GMT

@AllZero wrote:
Congratulations on your approval!

Where is your approval @AllZero ???

Re: Rural King Harvest $6,000 (Redstone FCU)

AllZero — Mon, 30 Mar 2020 16:41:30 GMT

@M_Smart007 wrote:
@AllZero wrote:
Congratulations on your approval!
Where is your approval @AllZero ???

@M_Smart007. I'm waiting to bust out of the garden around July.

Re: Rural King Harvest $6,000 (Redstone FCU)

newfossil — Mon, 30 Mar 2020 16:57:33 GMT

Congratulations!

Re: Rural King Harvest $6,000 (Redstone FCU)

Anonymous — Mon, 30 Mar 2020 17:51:55 GMT

@AnimatorProcrastinator wrote:
... Approved for $6,000 ... I am starting to see a correlation between my apping and being up late ...

Cool story, AP & nice self-awareness Congrats! on your approval.

Re: Rural King Harvest $6,000 (Redstone FCU)

Gmood1 — Mon, 30 Mar 2020 18:00:51 GMT

Congratulations and welcome to the Redstone family!!!😃

Re: Rural King Harvest $6,000 (Redstone FCU)

M_Smart007 — Mon, 30 Mar 2020 18:21:22 GMT

@AllZero wrote:
@M_Smart007 wrote:
@AllZero wrote:
Congratulations on your approval!
Where is your approval @AllZero ???
@M_Smart007. I'm waiting to bust out of the garden around July.

@AllZero, I know where the secret escape is

Re: Rural King Harvest $6,000 (Redstone FCU)

UH_HUH — Mon, 30 Mar 2020 20:06:37 GMT

@AnimatorProcrastinator wrote:
I saw that Redstone FCU has a ~%5 apy savings account up to $2,500 and was very interested in joining this credit union. Thanks to a post from Gmood, I read that applying for this card is a way to both gain membership and get a card with 1 hp rather than 2 (one for joining, and one for apping for a card). I figured if i'm going to get an HP I may as well get a card too. Approved for $6,000. Pulled EX (Fico 8 is 740, not sure which version they look at). 17 inqs and newest account is 3 months old (new NFCU plat obvi not reporting yet), AAoA is around 1 year 1 month, oldest is 2.8 years. So, this credit union is definitely not sensitive to anything, but according to other posts it is still good idea to have a 700 score when apping. Very excited to get into this CU and maybe get their Visa Sig down the road. I apped at around 12 am (I am starting to see a correlation between my apping and being up late...) so it went into review but was approved at 9 am this morning. No verification besides when apping I uploaded my DL to 'prefill', i'm not sure if that was optional but I figured it wouldn't hurt for security verification.
The card has APR fixed at %18 but has 6 months intro %0. You get %5 CB at Rural King ( I live in Minneapolis so...) and %1.5 everywhere else so it is still a nice non-category card. I haven't seen an approval for less then $5,000 on myFico so if you're looking to join a CU and not get an initial toy-limit this might be a good choice.

If that was the post about saving some trees in northern Alabama,

they got $25.00 outta me and I got the Thanks for applying Bub letter :-)

Congratulations on the approval!,

Enjoy,and thanks for sharingyour story,

Cheers

Re: Rural King Harvest $6,000 (Redstone FCU)

Anonymous — Mon, 30 Mar 2020 20:07:02 GMT

Congratulations on your approval! 👍

Re: Rural King Harvest $6,000 (Redstone FCU)

Guyatthebeach — Mon, 30 Mar 2020 23:36:45 GMT

AnimatorProcastinator,

Congratulations on your Rural King VISA! Mine arrived today. I also opened a checking account and the Brighter Days savings account.

I'm impressed with Redstone FCU so far!

Guyatthebeach

Re: Rural King Harvest $6,000 (Redstone FCU)

AllZero — Tue, 31 Mar 2020 03:55:39 GMT

@M_Smart007 wrote:
@AllZero wrote:
@M_Smart007 wrote:
@AllZero wrote:
Congratulations on your approval!
Where is your approval @AllZero ???
@M_Smart007. I'm waiting to bust out of the garden around July.
@AllZero, I know where the secret escape is

Thanks for the tip!

Re: Rural King Harvest $6,000 (Redstone FCU)

Mv350 — Tue, 31 Mar 2020 10:47:31 GMT

Congrats on the approval!!!