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    <title>topic Re: Vystar Credit Union Approval $5K in Credit Card Approvals</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104489#M696043</link>
    <description>&lt;P&gt;Congratulations on your Vystar CU approval!&lt;/P&gt;</description>
    <pubDate>Tue, 11 Aug 2020 04:16:58 GMT</pubDate>
    <dc:creator>CreditAggie</dc:creator>
    <dc:date>2020-08-11T04:16:58Z</dc:date>
    <item>
      <title>Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104045#M695958</link>
      <description>&lt;P&gt;Haven't seen many post about Vystar Credit Union, especially with its growing popularity down south. Here's my Data Points&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Approved $5K Platinum Visa&lt;/P&gt;&lt;P&gt;- Pulled Transunion 622&lt;/P&gt;&lt;P&gt;- 0 collections&amp;nbsp;&lt;/P&gt;&lt;P&gt;- 1% Credit Utilization&lt;/P&gt;&lt;P&gt;- 99% Payment History ( 1 late payment with OpenSky in February 2020)&lt;/P&gt;&lt;P&gt;- 3 paid charge offs with Capital One (1 in 2017 and 2 from 2018)&lt;/P&gt;&lt;P&gt;- 1 repo still reporting from 2016&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I think that's it. Lol. I only re-established membership last week from having a closed checking out with a balance of $400 which I paid off in order to reopen membership from 2009.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Seems like a good start to a new relationship! I love Credit Unions&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 10 Aug 2020 20:24:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104045#M695958</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2020-08-10T20:24:27Z</dc:date>
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    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104050#M695959</link>
      <description>&lt;P&gt;Congratulations on your new relationship and approval!!&lt;/P&gt;</description>
      <pubDate>Mon, 10 Aug 2020 20:21:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104050#M695959</guid>
      <dc:creator>cashorcharge</dc:creator>
      <dc:date>2020-08-10T20:21:41Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104057#M695964</link>
      <description>&lt;P&gt;Congratulations!&lt;/P&gt;</description>
      <pubDate>Mon, 10 Aug 2020 20:26:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104057#M695964</guid>
      <dc:creator>newfossil</dc:creator>
      <dc:date>2020-08-10T20:26:44Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104060#M695965</link>
      <description>&lt;P&gt;Congratulations on your Approval..&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 10 Aug 2020 20:27:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104060#M695965</guid>
      <dc:creator>M_Smart007</dc:creator>
      <dc:date>2020-08-10T20:27:40Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104072#M695966</link>
      <description>&lt;P&gt;Excellent, congrats on your approval &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 10 Aug 2020 20:35:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104072#M695966</guid>
      <dc:creator>gdale6</dc:creator>
      <dc:date>2020-08-10T20:35:48Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104075#M695967</link>
      <description>Congratulations on your approval!</description>
      <pubDate>Mon, 10 Aug 2020 20:39:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104075#M695967</guid>
      <dc:creator>AllZero</dc:creator>
      <dc:date>2020-08-10T20:39:20Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104076#M695968</link>
      <description>&lt;P&gt;Congrats on the approval!! Another one of those rare TU pullers. Good for those who don't want EQ pulled.&lt;/P&gt;</description>
      <pubDate>Mon, 10 Aug 2020 20:39:22 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104076#M695968</guid>
      <dc:creator>blindambition</dc:creator>
      <dc:date>2020-08-10T20:39:22Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104228#M695991</link>
      <description>&lt;P&gt;Ole Vystar hooked you up!!&amp;nbsp;&lt;/P&gt;&lt;P&gt;Thats a real solid approval there!&lt;/P&gt;&lt;P&gt;Congratulations!!&lt;/P&gt;</description>
      <pubDate>Mon, 10 Aug 2020 23:34:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104228#M695991</guid>
      <dc:creator>Mr_Mojo_Risin</dc:creator>
      <dc:date>2020-08-10T23:34:40Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104267#M696003</link>
      <description>&lt;P&gt;Congratulations on your new card!!!&lt;/P&gt;</description>
      <pubDate>Tue, 11 Aug 2020 00:23:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104267#M696003</guid>
      <dc:creator>Irv02</dc:creator>
      <dc:date>2020-08-11T00:23:31Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104489#M696043</link>
      <description>&lt;P&gt;Congratulations on your Vystar CU approval!&lt;/P&gt;</description>
      <pubDate>Tue, 11 Aug 2020 04:16:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104489#M696043</guid>
      <dc:creator>CreditAggie</dc:creator>
      <dc:date>2020-08-11T04:16:58Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104643#M696056</link>
      <description>&lt;P&gt;I am with Vystar too.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;They gave are my largest credit card at 25K after being in &lt;A href="https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Finally-out-of-Toy-Card-Hell/m-p/6065811#M688673" target="_self"&gt;Toy Card Hell&lt;/A&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;One thing you should do is app for the checking LOC. They will use the&amp;nbsp;&lt;/P&gt;&lt;P&gt;same inquiry and will match your CC limit.&amp;nbsp; They did that for me.&amp;nbsp; This&amp;nbsp;&lt;/P&gt;&lt;P&gt;was after a rep in the branch told me it was an instant approval.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;They are a great credit union. I have a vehicle financed with them now and&lt;/P&gt;&lt;P&gt;have paid off one.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;They still use manual underwriting, which seperates them from the heard.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Haven't seen many post about Vystar Credit Union, especially with its growing popularity down south. Here's my Data Points&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Approved $5K Platinum Visa&lt;/P&gt;&lt;P&gt;- Pulled Transunion 622&lt;/P&gt;&lt;P&gt;- 0 collections&amp;nbsp;&lt;/P&gt;&lt;P&gt;- 1% Credit Utilization&lt;/P&gt;&lt;P&gt;- 99% Payment History ( 1 late payment with OpenSky in February 2020)&lt;/P&gt;&lt;P&gt;- 3 paid charge offs with Capital One (1 in 2017 and 2 from 2018)&lt;/P&gt;&lt;P&gt;- 1 repo still reporting from 2016&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I think that's it. Lol. I only re-established membership last week from having a closed checking out with a balance of $400 which I paid off in order to reopen membership from 2009.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Seems like a good start to a new relationship! I love Credit Unions&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 11 Aug 2020 08:28:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104643#M696056</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2020-08-11T08:28:54Z</dc:date>
    </item>
    <item>
      <title>Re: Vystar Credit Union Approval $5K</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104717#M696076</link>
      <description>&lt;P&gt;Congrats on the approval!&lt;/P&gt;</description>
      <pubDate>Tue, 11 Aug 2020 13:34:47 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Vystar-Credit-Union-Approval-5K/m-p/6104717#M696076</guid>
      <dc:creator>coreyb80</dc:creator>
      <dc:date>2020-08-11T13:34:47Z</dc:date>
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