topic Re: BCU Train Rolls On! $5k visa cashback in Credit Card Approvals

BCU Train Rolls On! $5k visa cashback

trant3 — Thu, 15 Jun 2023 19:49:35 GMT

Read some great datapoints from other recent approvals, applied for membership yesterday, instantly approved. Then applied for the visa cash back today with the $200 sub, instantly approved for $5k. Was hoping for a higher SL but will take any crumb I can get! TU HP, FICO around 715, plenty of recent accounts.

Re: BCU Train Rolls On! $5k visa cashback

TheFIGuy — Thu, 15 Jun 2023 19:53:48 GMT

Congrats!!!!! I wouldn't be so upset at 5k; they're getting hit and about to get walloped, and I'm sure approval amounts will be much lower as they sort things out.

myFICO FOTM all-aboard the myFICO Express full steam ahead! I wonder how long it will take before they modify/change some of their credit policies.

I said this in another reply, but this might paint a picture as to why you only got 5k CL.

Pure Speculation—FOTM myFICO forums will do that to a CU quickly. In the last couple of days, my dedicated representative hinted about a surge of people joining through (LMY) and CC applications. If they have been burned before with some fraud, all of a sudden, all these applications come in around the same time...looks suspicious, and I'm sure the Loan Officers are being "safe than sorry."

AOD couldn't handle the myFICO wave; we shall see if BCU can. Might get a little lucky that Reddit is down, so the word "might" not travel as fast.

IIRC—Old timers can fact-check me, but myFICO FOTM, this forum, could have contributed <wink> to NFCU closing their loophole for non-military members. A long time ago, in a very different world, you could signup for an organization and get an NFCU membership. It was brief and short; with GREAT power comes GREAT responsibility. These forms help tremendously but can quickly break a smaller CU when geo-restrictions are opened. I'm sure they don't expect a WAVE of members all at one time, all with moderate to excellent credit, all requesting 20k+ CC and PLOCs

All the above is just my 2 cents.

Re: BCU Train Rolls On! $5k visa cashback

M_Smart007 — Thu, 15 Jun 2023 19:50:57 GMT

Congratulations on your Approval 🎉

Re: BCU Train Rolls On! $5k visa cashback

CardHunter — Thu, 15 Jun 2023 20:12:00 GMT

Very nice and welcome aboard the BCU train!

Re: BCU Train Rolls On! $5k visa cashback

Jeffster1 — Thu, 15 Jun 2023 20:14:05 GMT

@TheFIGuy wrote:
Congrats!!!!! I wouldn't be so upset at 5k; they're getting hit and about to get walloped, and I'm sure approval amounts will be much lower as they sort things out.

myFICO FOTM all-aboard the myFICO Express full steam ahead! I wonder how long it will take before they modify/change some of their credit policies.

I said this in another reply, but this might paint a picture as to why you only got 5k CL.

Pure Speculation—FOTM myFICO forums will do that to a CU quickly. In the last couple of days, my dedicated representative hinted about a surge of people joining through (LMY) and CC applications. If they have been burned before with some fraud, all of a sudden, all these applications come in around the same time...looks suspicious, and I'm sure the Loan Officers are being "safe than sorry."

AOD couldn't handle the myFICO wave; we shall see if BCU can. Might get a little lucky that Reddit is down, so the word "might" not travel as fast.

IIRC—Old timers can fact-check me, but myFICO FOTM, this forum, could have contributed <wink> to NFCU closing their loophole for non-military members. A long time ago, in a very different world, you could signup for an organization and get an NFCU membership. It was brief and short; with GREAT power comes GREAT responsibility. These forms help tremendously but can quickly break a smaller CU when geo-restrictions are opened. I'm sure they don't expect a WAVE of members all at one time, all with moderate to excellent credit, all requesting 20k+ CC and PLOCs

All the above is just my 2 cents.

IIRC, the same thing happened with USAA Bank probably around 2006-2007. I was able to join even though non-military. There was a rush of non-military apps as a result of the Creditboards forum which was in its golden days at the time. USAA seemed to close that door VERY quickly. I still have my USAA account.

Re: BCU Train Rolls On! $5k visa cashback

coreyb80 — Thu, 15 Jun 2023 20:17:52 GMT

Congrats on the approval!

Re: BCU Train Rolls On! $5k visa cashback

Jeffster1 — Tue, 20 Jun 2023 17:16:02 GMT

Congrats on the approval. I got my instant BCU CashBack Visa approval a few days ago. Also $5K.

Update: They raised it to $8K without my asking. Great CU.

Re: BCU Train Rolls On! $5k visa cashback

CreditMagic7 — Thu, 15 Jun 2023 20:37:43 GMT

Re: BCU Train Rolls On! $5k visa cashback

BigBS — Thu, 15 Jun 2023 20:54:07 GMT

Congrats to you!

Re: BCU Train Rolls On! $5k visa cashback

user979797 — Thu, 15 Jun 2023 22:16:30 GMT

The BCU CLIs are insane today! Congrats to you on your increase

Re: BCU Train Rolls On! $5k visa cashback

FireMedic1 — Thu, 15 Jun 2023 22:23:16 GMT

Congrats @trant3 . Decent SL for the times were in.

Re: BCU Train Rolls On! $5k visa cashback

Jnbmom — Thu, 15 Jun 2023 22:32:02 GMT

@Jeffster1 wrote:
@TheFIGuy wrote:
Congrats!!!!! I wouldn't be so upset at 5k; they're getting hit and about to get walloped, and I'm sure approval amounts will be much lower as they sort things out.

myFICO FOTM all-aboard the myFICO Express full steam ahead! I wonder how long it will take before they modify/change some of their credit policies.

I said this in another reply, but this might paint a picture as to why you only got 5k CL.

Pure Speculation—FOTM myFICO forums will do that to a CU quickly. In the last couple of days, my dedicated representative hinted about a surge of people joining through (LMY) and CC applications. If they have been burned before with some fraud, all of a sudden, all these applications come in around the same time...looks suspicious, and I'm sure the Loan Officers are being "safe than sorry."

AOD couldn't handle the myFICO wave; we shall see if BCU can. Might get a little lucky that Reddit is down, so the word "might" not travel as fast.

IIRC—Old timers can fact-check me, but myFICO FOTM, this forum, could have contributed <wink> to NFCU closing their loophole for non-military members. A long time ago, in a very different world, you could signup for an organization and get an NFCU membership. It was brief and short; with GREAT power comes GREAT responsibility. These forms help tremendously but can quickly break a smaller CU when geo-restrictions are opened. I'm sure they don't expect a WAVE of members all at one time, all with moderate to excellent credit, all requesting 20k+ CC and PLOCs

All the above is just my 2 cents.
IIRC, the same thing happened with USAA Bank probably around 2006-2007. I was able to join even though non-military. There was a rush of non-military apps as a result of the Creditboards forum which was in its golden days at the time. USAA seemed to close that door VERY quickly. I still have my USAA account.

I remember many many moons ago on the "other" board when is was a great forum their was some sort of "glitch" possibly on citibank AA cards people we getting multiple approvals with high limits . People went crazy applying and getting high mutliple lines lasted a month or so then Citi shut it down . Oh those were the days 😂😂😂

Re: BCU Train Rolls On! $5k visa cashback

TheFIGuy — Thu, 15 Jun 2023 22:58:53 GMT

@Jnbmom wrote:
@Jeffster1 wrote:
@TheFIGuy wrote:
Congrats!!!!! I wouldn't be so upset at 5k; they're getting hit and about to get walloped, and I'm sure approval amounts will be much lower as they sort things out.

myFICO FOTM all-aboard the myFICO Express full steam ahead! I wonder how long it will take before they modify/change some of their credit policies.

I said this in another reply, but this might paint a picture as to why you only got 5k CL.

Pure Speculation—FOTM myFICO forums will do that to a CU quickly. In the last couple of days, my dedicated representative hinted about a surge of people joining through (LMY) and CC applications. If they have been burned before with some fraud, all of a sudden, all these applications come in around the same time...looks suspicious, and I'm sure the Loan Officers are being "safe than sorry."

AOD couldn't handle the myFICO wave; we shall see if BCU can. Might get a little lucky that Reddit is down, so the word "might" not travel as fast.

IIRC—Old timers can fact-check me, but myFICO FOTM, this forum, could have contributed <wink> to NFCU closing their loophole for non-military members. A long time ago, in a very different world, you could signup for an organization and get an NFCU membership. It was brief and short; with GREAT power comes GREAT responsibility. These forms help tremendously but can quickly break a smaller CU when geo-restrictions are opened. I'm sure they don't expect a WAVE of members all at one time, all with moderate to excellent credit, all requesting 20k+ CC and PLOCs

All the above is just my 2 cents.
IIRC, the same thing happened with USAA Bank probably around 2006-2007. I was able to join even though non-military. There was a rush of non-military apps as a result of the Creditboards forum which was in its golden days at the time. USAA seemed to close that door VERY quickly. I still have my USAA account.
I remember many many moons ago on the "other" board when is was a great forum their was some sort of "glitch" possibly on citibank AA cards people we getting multiple approvals with high limits . People went crazy applying and getting high mutliple lines lasted a month or so then Citi shut it down . Oh those were the days 😂😂😂

Those were the days in deed!!!!

Re: BCU Train Rolls On! $5k visa cashback

M_Smart007 — Fri, 16 Jun 2023 03:21:33 GMT

@Jnbmom wrote:
@Jeffster1 wrote:
@TheFIGuy wrote:
Congrats!!!!! I wouldn't be so upset at 5k; they're getting hit and about to get walloped, and I'm sure approval amounts will be much lower as they sort things out.

myFICO FOTM all-aboard the myFICO Express full steam ahead! I wonder how long it will take before they modify/change some of their credit policies.

I said this in another reply, but this might paint a picture as to why you only got 5k CL.

Pure Speculation—FOTM myFICO forums will do that to a CU quickly. In the last couple of days, my dedicated representative hinted about a surge of people joining through (LMY) and CC applications. If they have been burned before with some fraud, all of a sudden, all these applications come in around the same time...looks suspicious, and I'm sure the Loan Officers are being "safe than sorry."

AOD couldn't handle the myFICO wave; we shall see if BCU can. Might get a little lucky that Reddit is down, so the word "might" not travel as fast.

IIRC—Old timers can fact-check me, but myFICO FOTM, this forum, could have contributed <wink> to NFCU closing their loophole for non-military members. A long time ago, in a very different world, you could signup for an organization and get an NFCU membership. It was brief and short; with GREAT power comes GREAT responsibility. These forms help tremendously but can quickly break a smaller CU when geo-restrictions are opened. I'm sure they don't expect a WAVE of members all at one time, all with moderate to excellent credit, all requesting 20k+ CC and PLOCs

All the above is just my 2 cents.
IIRC, the same thing happened with USAA Bank probably around 2006-2007. I was able to join even though non-military. There was a rush of non-military apps as a result of the Creditboards forum which was in its golden days at the time. USAA seemed to close that door VERY quickly. I still have my USAA account.
I remember many many moons ago on the "other" board when is was a great forum their was some sort of "glitch" possibly on citibank AA cards people we getting multiple approvals with high limits . People went crazy applying and getting high mutliple lines lasted a month or so then Citi shut it down . Oh those were the days 😂😂😂

I remember @credit_is_crack , hammered them for almost a $50K CL.

I was not in the 6 month CLI timeframe, so I mourn that day

Re: BCU Train Rolls On! $5k visa cashback

CreditAggie — Fri, 16 Jun 2023 03:58:57 GMT

Congratulations on your BCU approval!

Re: BCU Train Rolls On! $5k visa cashback

alextercero — Fri, 16 Jun 2023 04:11:21 GMT

Congrats on the approval

Re: BCU Train Rolls On! $5k visa cashback

nytokyobred79 — Fri, 16 Jun 2023 05:52:02 GMT

Congrats on your BCU approval.

Re: BCU Train Rolls On! $5k visa cashback

NoMoreDebt — Fri, 16 Jun 2023 10:06:35 GMT

Congrats on your approval