topic Re: String of CU approvals in Credit Card Approvals

String of CU approvals

Creditplz — Sat, 11 Apr 2026 01:03:54 GMT

IMG_1905.jpeg

Approved for First Ent CU $25k

approved for USC CU for 20k

approved for Cal Coastal CU 20k

approved for LAFCU $15k

approved for AFCU for $15k

approved for SDCCU $5k

including first ent $5k LoC

USCCU LoC $10k

AFCU LoC 10k

Total CL should total up to just above $2M.

every lender on this list pulls EX other then LAFCU which pulls TU, very nitpicky but figured why not.

Re: String of CU approvals

ElvisCaprice — Sat, 11 Apr 2026 04:50:11 GMT

@Creditplz wrote:
IMG_1905.jpeg
Approved for First Ent CU $25k
approved for USC CU for 20k
approved for Cal Coastal CU 20k
approved for LAFCU $15k
approved for AFCU for $15k
approved for SDCCU $5k

including first ent $5k LoC
USCCU LoC $10k
AFCU LoC 10k

Total CL should total up to just above $2M.
every lender on this list pulls EX other then LAFCU which pulls TU, very nitpicky but figured why not.

Congratulations on the spree!! Curious, what are you trying to gain with these new CU accounts? For the SUB's? Unique rewards for your spend? Will you keep them long term?

Re: String of CU approvals

Creditplz — Sat, 11 Apr 2026 07:10:00 GMT

Just refreshing the portfolio of cards, most have little to no other then a car detailing or a Starbucks charge.. I'll decide if I want to close out

Arrowhead CU visa

SDCCU Visa

Nuvision Visa

in the coming weeks

Re: String of CU approvals

ElvisCaprice — Sat, 11 Apr 2026 08:14:37 GMT

@Creditplz wrote:
Just refreshing the portfolio of cards, most have little to no other then a car detailing or a Starbucks charge.. I'll decide if I want to close out
Arrowhead CU visa
SDCCU Visa
Nuvision Visa
in the coming weeks

What do you gain from this?

Re: String of CU approvals

Follower — Sat, 11 Apr 2026 13:05:02 GMT

@ElvisCaprice wrote:
@Creditplz wrote:
Just refreshing the portfolio of cards, most have little to no other then a car detailing or a Starbucks charge..
What do you gain from this?

OP discusses this here:

https://ficoforums.myfico.com/t5/Personal-Finance/How-many-credit-unions-is-too-many/td-p/6854283

Re: String of CU approvals

Jnbmom — Sat, 11 Apr 2026 13:45:32 GMT

@Creditplz wrote:
IMG_1905.jpeg
Approved for First Ent CU $25k
approved for USC CU for 20k
approved for Cal Coastal CU 20k
approved for LAFCU $15k
approved for AFCU for $15k
approved for SDCCU $5k

including first ent $5k LoC
USCCU LoC $10k
AFCU LoC 10k

Total CL should total up to just above $2M.
every lender on this list pulls EX other then LAFCU which pulls TU, very nitpicky but figured why not.

Congrats .

Are these all geo fenced ?

Re: String of CU approvals

BoujeeBetty — Sat, 11 Apr 2026 23:20:19 GMT

More power to ya! I did this for 12 years and went through 30 cards to get where I am today. I love some credit unions. After hitting the max on NFCU Cash Rewards recently, I decided to ask for a CLI on Amazon Prime and got it over $27k. It's tough to stop after years of coming to this site daily. I've just convinced myself I don't need another new account as long as an existing one gives me a fix with a CLI. $20k to $25k approvals just don't strike my fancy any longer. Man, the good times were the shopping cart days and CLIs every 4 months plus one day. Worked 2 Comenity cards up to $30k that way.

Re: String of CU approvals

Creditplz — Sat, 11 Apr 2026 23:52:59 GMT

Yeah, truthfully I just do it cause it's somewhat fun.. cost nothing to apply, I recently got a US Bank Smartly visa for $37k.

I have CSR at 120k, I have First Tech FCU Odessy at 100k & a $240k auto loan with them.

I used to come on here to see what the card of the month was, now I have a 830 Fico and a 7 figure income but I still get the itch to get more cards.

Re: String of CU approvals

BoujeeBetty — Sun, 12 Apr 2026 03:00:34 GMT

Once again, more power to ya! As long as you are in control of these activities.

Read a lot of threads here over the years. Seems you like credit union memberships.

Your information is invaluable to the site.

I shut down Alliant, DCU, NASA in the past. Only ones I have left are Navy Fed, BECU, PSECU, Penfed. All at the max credit lines, unless BECU increased theirs to $50k and I was not included in that.

People who read these forums can take what they want from them.

Re: String of CU approvals

Thomas_Thumb — Sun, 12 Apr 2026 13:20:12 GMT

@Creditplz wrote:
IMG_1905.jpeg
Approved for First Ent CU $25k
approved for USC CU for 20k
approved for Cal Coastal CU 20k
approved for LAFCU $15k
approved for AFCU for $15k
approved for SDCCU $5k

including first ent $5k LoC
USCCU LoC $10k
AFCU LoC 10k

Total CL should total up to just above $2M.
every lender on this list pulls EX other then LAFCU which pulls TU, very nitpicky but figured why not.

So your TCL is around 1x your yearly income. Credit card issuers should see that as a safe range.

Do you actually use all these cards?

Re: String of CU approvals

patientofcredit — Tue, 14 Apr 2026 00:26:05 GMT

With all your CU memberships, how did you get in to LAFCU? They denied me for Chex with just 2 hits in the past 6 months. Even when I went in branch?

Re: String of CU approvals

Creditplz — Tue, 14 Apr 2026 01:22:36 GMT

@patientofcredit i went into the Culver City branch and just opened it, just be careful cause they do HP TransUnion upon opening the account... and they don't do any kind of account qualifying while you do it, their UW is slow and overall it's one of my least favorite CU..

Re: String of CU approvals

SusanJA — Tue, 14 Apr 2026 23:14:23 GMT

Nice! I think the CUs need a wanted poster with your face on it

Re: String of CU approvals

Copenix — Wed, 15 Apr 2026 06:26:55 GMT

Nice. Congrats.

Re: String of CU approvals

cashorcharge — Tue, 21 Apr 2026 21:16:54 GMT

Congratulations on all your continued successes!!!