topic Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!! in Credit Card Approvals

GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Royalbacon — Thu, 26 Feb 2026 22:41:29 GMT

I joined GreenState in Iowa from Minnesota and their loan products and credit cards are unfortunately geofenced to a few states in the MidWest.

You must be a full time resident of Illinos, Iowa, Michigan, Minnesota, Missouri, Nebraska, South Dakota, or Wisconsin to qualify for loan products at GreenState Credit Union. By proceeding, you acknowledge residing in one of these states.

I proceeded to apply for a card but as it turns it, their application does a soft pull for a credit card prequalification before you proceed to formally apply, and I had no idea how solid it is. It ended up coming back as prequalified for $15,000. Anyways, I have a 7 year fraud alert on my credit reports and she called and verified it was me that applied for a credit card and immediately said afterwards that she was able to approve me for the full amount of $15,000. She mentioned nothing about paystubs so when she asked me if I had any questions, I specifically asked if she needed proof of income or paystubs and she told me nope! They were able to approve me without them.

They pulled TransUnion. Don't know my exact score but it's around 700. 9 inquiries in the past 24 months, 5 of those in the past year. Prior to this, one new card in the past 6 months and three new cards in the past 12 months. Chapter 7 Bankruptcy filied in September 2020 and Discharged in December 2020.

Also this card has at the moment an introductory bonus of $250 cash back/25,000 bonus points when you spend $1000 within the first 60 days which is an awesome SUB for a small amount of spend of $1000.

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

RobertS2 — Thu, 26 Feb 2026 23:05:01 GMT

Sweet...congrats! You think this is more than you would have gotten from a bank?

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Royalbacon — Thu, 26 Feb 2026 23:31:06 GMT

@RobertS2 wrote:
Sweet...congrats! You think this is more than you would have gotten from a bank?

This is the biggest approval I've ever had in my life. Plus the 5% cash back on hotels I will use for sure!!!

Before this, In December 2025 I got approved for Delta Gold Amex with $8000 credit limit and just got approved for $10,000 on a Capital One T-Mobile Visa a week ago because i just switched to T-Mobile from AT&T. I wanted to apply for the GreenState before the T-Mobile Visa started reporting. Those are my two most recent credit card approvals prior to this.

I filed Chapter 7 Bankruptcy in September 2020 so I was anxiously & eagerly waiting for the 61+ month mark to get back into with Amex.

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

pizzadude — Fri, 27 Feb 2026 00:31:34 GMT

Congrats on the approval and great SL !

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Janneman — Sun, 01 Mar 2026 06:59:27 GMT

@Royalbacon

Congrats.....I have two cards with them, one is which you have and another one is the one you are looking for...both with $20k each...I live in NYC and back in days they did allow people from anywhere nationwide to join and get cards, but they stopped it 2-3 years ago I guess....Both cards are good, and I never ever have had bad experience with this credit union. I even have a checking account with them, another one, which had 5% APR on your deposit for two years....although it was a promotional offer for the time being for two years....

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Snow-Leopard — Sun, 01 Mar 2026 08:52:40 GMT

Congratulations!

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Royalbacon — Mon, 02 Mar 2026 09:38:05 GMT

@Janneman wrote:
@Royalbacon

Congrats.....I have two cards with them, one is which you have and another one is the one you are looking for...both with $20k each...I live in NYC and back in days they did allow people from anywhere nationwide to join and get cards, but they stopped it 2-3 years ago I guess....Both cards are good, and I never ever have had bad experience with this credit union. I even have a checking account with them, another one, which had 5% APR on your deposit for two years....although it was a promotional offer for the time being for two years....

Yeah this is one of the only two credit unions I know of off the top of my head that are open to anyone yet geofence their credit cards. GreenState and the other is LMCU (Lake Michigan Credit Union)

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Copenix — Tue, 03 Mar 2026 14:41:32 GMT

That's awesome. Congrats on your approval and SL. Enjoy!

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Zoostation1 — Wed, 04 Mar 2026 03:15:45 GMT

Congrats on the approval!

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

zerofire — Thu, 05 Mar 2026 18:04:53 GMT

Congratulations on your new found liquidity!

Looks like GreenState has given you the green light. Not a bad thing to happen.

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Royalbacon — Sat, 07 Mar 2026 04:56:29 GMT

So some things & caveats I've discovered since being approved for this card to be aware of before you app for it.

-Rewards program is one of those junky outsourced third party companies that many credit unions and smaller banks use. No surprise there, that's to be expected.

-Minimum cashback redemption is $50, has to be redeemed as a statement credit and points expire afte 2 years.

-Many of the Gift Cards have $25 redemptions but point values seem to be inflated for them. 3000 points for a $25 gift card, 5500 points for a $50 gift card and 10500 for a $100 gift card. Starbucks and AMC theatres are the only two I saw with a $10 gift card redemption for 1500 points.

-Selection of merchandise, as we all know with these junky 3rd party companies, is garbage, overpriced and feels like you're browsing SkyMall when you're browsing through and looking at it.

I know this card has been desirable in the past for uncapped 5% on Hotels and lots people lament the fact it's now geofenced and that they can't get it. But please make sure before you app for this card that you can spend enough on hotels in a two year period to rack up $50 worth of cashback.

I always wonder with programs like this how many points end up expiring and never get redeemed due to minimum redemption requirements.

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

cashorcharge — Sat, 07 Mar 2026 14:28:08 GMT

Congratulations on your Approval!!👏🏼🍾🥂

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

card-fil-a — Sun, 08 Mar 2026 19:38:19 GMT

Congrats on the new card! I've had a very good experience with Greenstate so far; like you, they also gave me my largest SL to date when I was approved! ($10k)

App/online banking is a little finicky -- payments don't work through the "Transfers and Payments" button, and needs to be set up alternatively (they give directions). I think the $25 minimum redemption is new, but imo not hard to meet when you're earning 5x on flights and hotels and presumably why you got the card in the first place. Otherwise, very difficult to complaint, and have had a great experience! Highly recommend to anyone looking for a card that earns 5x on hotels/flights booked/paid for directly.

Edit: $50 minimum redemption for cashback -- my b

Re: GreenState Credit Union World Mastercard APPROVAL $15,000 NO POI/PayStubs requested!!!

Royalbacon — Sun, 08 Mar 2026 19:34:58 GMT

@card-fil-a wrote:
Congrats on the new card! I've had a very good experience with Greenstate so far; like you, they also gave me my largest SL to date when I was approved! ($10k)

App/online banking is a little finicky -- payments don't work through the "Transfers and Payments" button, and needs to be set up alternatively (they give directions). I think the $25 minimum redemption is new, but imo not hard to meet when you're earning 5x on flights and hotels and presumably why you got the card in the first place. Otherwise, very difficult to complaint, and have had a great experience! Highly recommend to anyone looking for a card that earns 5x on hotels/flights booked/paid for directly.

Statement credit minimum is $50 which is the only kind of cash back redemption they offer.

$25 is minimum for a lot of their gift cards which seem to be sold at inflated point totals.