topic Re: Local CU Visa Card Approval in Credit Card Approvals

Local CU Visa Card Approval

WavysMommy — Wed, 02 Sep 2020 18:06:38 GMT

I bank with three CUs(NavyFed, PenFed and DCCU). My longest relationship of the three is DCCU(DC Credit Union). I had been itching to apply, but honestly didn't think it wise until 1 yr post BK7 discharge and a year after opening my accounts with them. I wanted to try PenFed, but DPs listed here say I need to be at 650 FICO 9(I'm at 631 with PenFed), and two years post discharge (at a minimum)

Their application software is not the most sophisticated, but it allows you specify/request your limit and the card you want. I kept it VERY conservative and asked for 1k.

I applied on Thursday(8/27), received a call from the loan officer on Friday(8/28) asking for references, then on Monday (8/31) was told by the loan officer that I was approved. They requested 3 of my most recent paystubs to verify income and asked that I come in to sign the application.

Just came back from signing and finally having a chance to look more thoroughly at the Visa agreement, and my APR is 12.50% Not bad at all!

Looks like CUs are the way to go for me. 😃

Now time to garden....

Re: Local CU Visa Card Approval

cashorcharge — Wed, 02 Sep 2020 18:11:12 GMT

Congratulations!!!

Re: Local CU Visa Card Approval

M_Smart007 — Wed, 02 Sep 2020 18:15:39 GMT

Congratulations on your Approval..

Re: Local CU Visa Card Approval

AllZero — Wed, 02 Sep 2020 19:55:25 GMT

Congratulations on your approval!

Re: Local CU Visa Card Approval

sxa001 — Wed, 02 Sep 2020 21:42:53 GMT

Congratulations, that is a very respectable APR for your score and hopefully it will be a card you can grow over time

Re: Local CU Visa Card Approval

CreditAggie — Wed, 02 Sep 2020 21:45:15 GMT

Congratulations on your CU approval!

Re: Local CU Visa Card Approval

mrcraft — Wed, 02 Sep 2020 22:16:03 GMT

Congratulations on your approval!!

Re: Local CU Visa Card Approval

WavysMommy — Wed, 02 Sep 2020 22:25:02 GMT

Absolutely, @sxa001! My hope is that it grows, as i plan on having a long-term relationship

Re: Local CU Visa Card Approval

gdale6 — Wed, 02 Sep 2020 23:03:42 GMT

Very good, grats on the CU card!

Re: Local CU Visa Card Approval

Mr_Mojo_Risin — Wed, 02 Sep 2020 23:36:17 GMT

Congratulations!!

CU's are definitely the way to go from my standpoint.

Enjoy the card!

Re: Local CU Visa Card Approval

WavysMommy — Wed, 02 Sep 2020 23:51:11 GMT

Thanks, everyone!

Re: Local CU Visa Card Approval

Credit4Growth — Thu, 03 Sep 2020 00:07:30 GMT

Yes.... yep, yep... big limits around here! Congratulations on your approval!

Re: Local CU Visa Card Approval

Peanut4211982 — Thu, 03 Sep 2020 22:04:19 GMT

Congrats