topic Re: RBFCU 2 cards $10K each approved (cashback & premier) with same HP in Credit Card Approvals

RBFCU 2 cards $10K each approved (cashback & premier) with same HP

bachi607 — Sat, 10 Sep 2022 04:13:50 GMT

I have been reading about this local credit union RBFCU(Randolph-Brooks Federal Credit Union) TX only and they use Experian Vantage 4, I went to nearest branch and applied for membership through American Consumer Council(ACC), it was instant membership as long as your Checksystem is good.

Immediatly applied for CC premier card, within 1hr got Approval for $10,000(9.2% APR), very fast decisions but every application go to UW review, next day applied for Cashback card which is 2% on all purchases( I asked rep whether I can apply for 2nd card as cashback is tempting and they said it would be another HP, I said YES locking my EX LOL and It worked, they did use whatever was pulled a day before), within 2hr got approval for 2nd card for $10,000(15.2% APR ).

Both cards have 0% APR on Bal Trsf for 12M and with no BT fee, thats just awesome, you can take CashAdvance as well with 2% trax fee upto 100% of credit line.

Data Points:

EXP Vantage 4 : 755 ( EX FICO 8: 695, Vantage 3: 706)

Income : 140K

INQ 10/24, RBFCU would be my 11th INQ

DTI: 24%

Utilization : 23%(Open cards alone 3%)

Membership is Softpull I believe(definetly not HP)

overall customer reps are super helpful and exceptional, I am so glad I got my Auto refiance with Cashout in few hours and acc is funded with cash out amout of $10000 with in hours.

Overall it's great Credit Union and got $30,000 with just 1 HP ( 20K 2 CCs, 10K Auto cashout)!!

Re: RBFCU 2 cards $10K each approved (cashback & premier) with same HP

CreditAggie — Sat, 10 Sep 2022 05:35:18 GMT

Congratulations on your RBFCU approvals!

Re: RBFCU 2 cards $10K each approved (cashback & premier) with same HP

babygirl1256 — Sat, 10 Sep 2022 07:38:59 GMT

Congrats on your RBFCO approvals.

Re: RBFCU 2 cards $10K each approved (cashback & premier) with same HP

nytokyobred79 — Sat, 10 Sep 2022 12:20:40 GMT

Congrats on your double approvals with nice SLs 😀

Re: RBFCU 2 cards $10K each approved (cashback & premier) with same HP

Stealth-1 — Sat, 10 Sep 2022 16:28:04 GMT

Congrats on the approvals. 👍

Re: RBFCU 2 cards $10K each approved (cashback & premier) with same HP

KingRue8500 — Sat, 10 Sep 2022 22:59:22 GMT

Congrats on your RBFCU Premier & Cashback approvals