topic Re: CU Approval! in Credit Card Approvals

CU Approval!

meehan22 — Wed, 23 Apr 2014 16:56:31 GMT

Alright.. Someone take my wallet and send me to the garden for 6 months.

Last month approved for Barclay for 1,000. Been using it for every transaction and pif'ing weekly. Than I added Walmart ($900), PayPal($500), and as an AU on a Chase account ($4000).

I purchased a vehicle and borrowed a couple thousand from my mother so I could pay cash. I was in a spot paying off the remaining balance of my debts and it was to good of a deal from another family member.

In the mean time my credit repots updated and everything is marked as paid so before I wrote out a check to pay them back I phoned my local credit union where i've been banking at a few years. Asked for $3500. Approved. Since I got hit with a hardpull and INQ I asked what they could do with a credit card. Approved for $1,300 at 16%, said as soon as my scores climb to over 700 (They pulled a 673 toady) I can refinance the credit card and get it at 6-7% and a limit increase.

I credit card under 10% APR.. love it! Dont care of Barclays gets upset and AA me now. I dont plan on using the CU card much because of no rewards but they offer a better interest rate and a much better one soon so i'll use it here and there. Barclay will still be my everyday spender. The CU card will make a good one to finance any purchases that are needed down the road.

So.. Barclay and 5 accounts right after.. dont AA me now! I do care if they do, but if they dont.. eh. This will be a true test to all MyFico members of the bad things said about Barclay, i'll of course report if I do hear anything from them. But the way I been using them and pif'ing I hope they dont.

Re: CU Approval!

BigBS — Wed, 23 Apr 2014 16:57:28 GMT

Congrats! Sounds like some growth in the near future.

Re: CU Approval!

hot4u — Wed, 23 Apr 2014 18:04:29 GMT

Congrats

Credit Unions are Awesome..

Re: CU Approval!

gdale6 — Wed, 23 Apr 2014 18:11:03 GMT

Grats

Re: CU Approval!

meehan22 — Wed, 23 Apr 2014 18:12:04 GMT

reading my origional post i can tell I was pretty excited. haha.

Re: CU Approval!

meehan22 — Wed, 23 Apr 2014 18:18:31 GMT

@hot4u wrote:
Congrats
Credit Unions are Awesome..

I am a believer now. 8 paid judgments and a paid tax lien from 07/08 I didn't think I had a chance. But the lady told me even though I have a ugly history she could see I haven't had a late, maxed out credit cards, or anything since than and i've paid everything in full.

Re: CU Approval!

alvon123 — Wed, 23 Apr 2014 18:20:52 GMT

congrats

Re: CU Approval!

-Wade- — Wed, 23 Apr 2014 22:08:07 GMT

@meehan22 wrote:
Alright.. Someone take my wallet and send me to the garden for 6 months.

Last month approved for Barclay for 1,000. Been using it for every transaction and pif'ing weekly. Than I added Walmart ($900), PayPal($500), and as an AU on a Chase account ($4000).

I purchased a vehicle and borrowed a couple thousand from my mother so I could pay cash. I was in a spot paying off the remaining balance of my debts and it was to good of a deal from another family member.

In the mean time my credit repots updated and everything is marked as paid so before I wrote out a check to pay them back I phoned my local credit union where i've been banking at a few years. Asked for $3500. Approved. Since I got hit with a hardpull and INQ I asked what they could do with a credit card. Approved for $1,300 at 16%, said as soon as my scores climb to over 700 (They pulled a 673 toady) I can refinance the credit card and get it at 6-7% and a limit increase.

I credit card under 10% APR.. love it! Dont care of Barclays gets upset and AA me now. I dont plan on using the CU card much because of no rewards but they offer a better interest rate and a much better one soon so i'll use it here and there. Barclay will still be my everyday spender. The CU card will make a good one to finance any purchases that are needed down the road.

So.. Barclay and 5 accounts right after.. dont AA me now! I do care if they do, but if they dont.. eh. This will be a true test to all MyFico members of the bad things said about Barclay, i'll of course report if I do hear anything from them. But the way I been using them and pif'ing I hope they dont.

Congrats on your approval

Re: CU Approval!

NursePurse — Wed, 23 Apr 2014 22:13:32 GMT

Congrats!

Re: CU Approval!

coldnmn — Wed, 23 Apr 2014 23:14:39 GMT

Congrats! Thanks for sharing.