topic Re: BCU Travel Rewards + Card Approval in Credit Card Approvals

BCU Travel Rewards + Card Approval

CardHunter — Sat, 25 Apr 2026 02:02:28 GMT

I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)

Inquiries 2/24

DTI. 3%

Re: BCU Travel Rewards + Card Approval

northway — Sat, 25 Apr 2026 02:28:10 GMT

Congrats!

(Though personally I think the card is kind of a turd for the AF given the lack of benefits and category caps)

BCU is super friendly and generous if your profile fits. I have the prior 2% Travel Rewards card with a 100k limit as of today that I'm not planning on getting rid of any time soon.

Re: BCU Travel Rewards + Card Approval

CardHunter — Sat, 25 Apr 2026 02:44:37 GMT

@northway wrote:
Congrats!

(Though personally I think the card is kind of a turd for the AF given the lack of benefits and category caps)

BCU is super friendly and generous if your profile fits. I have the prior 2% Travel Rewards card with a 100k limit as of today that I'm not planning on getting rid of any time soon.

Thank you. I will agree, the rewards and the category caps are lacking somewhat, but for 70K points for $95 I will hold it for a year and give it a shot. Nice limit on your Travel Rewards card btw!

Re: BCU Travel Rewards + Card Approval

Janneman — Sat, 25 Apr 2026 05:25:24 GMT

@CardHunter wrote:
I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)
Inquiries 2/24
DTI. 3%

Were you ever asked for POI, from joining the CU till for each card? If so, what kind of POI? I don't think any lender could give this much credit line without substantial income.....Tnx

Re: BCU Travel Rewards + Card Approval

CardHunter — Sat, 25 Apr 2026 10:21:51 GMT

@Janneman wrote:
@CardHunter wrote:
I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)
Inquiries 2/24
DTI. 3%

Were you ever asked for POI, from joining the CU till for each card? If so, what kind of POI? I don't think any lender could give this much credit line without substantial income.....Tnx

BCU requested POI the day I joined and applied for my first credit card, but with that they also gave me the PLOC with only 1 HP. They did request POI also for the auto loan because it was over 365 days after my first loan they said. This card was instant approval the rep said, even though it has been over 365 since the last requested POI, underwriting didn't request anything from me this time. The only kind of POI they have ever asked me for was my last paycheck stub.

Re: BCU Travel Rewards + Card Approval

DONZI — Sun, 26 Apr 2026 06:06:32 GMT

Congratulations!

Does the "B" in BCU mean anything? I guess it's safe to assume the CU part = credit union..

Re: BCU Travel Rewards + Card Approval

CardHunter — Sun, 26 Apr 2026 11:15:53 GMT

@DONZI wrote:
Congratulations!

Does the "B" in BCU mean anything? I guess it's safe to assume the CU part = credit union..

Thank you. Yes, the "B" in BCU is for Baxter. Baxter Credit Union.

Re: BCU Travel Rewards + Card Approval

Copenix — Mon, 27 Apr 2026 11:15:11 GMT

Very nice. Congrats on your approval.

Re: BCU Travel Rewards + Card Approval

Janneman — Mon, 27 Apr 2026 20:27:41 GMT

@CardHunter wrote:
@Janneman wrote:
@CardHunter wrote:
I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)
Inquiries 2/24
DTI. 3%

Were you ever asked for POI, from joining the CU till for each card? If so, what kind of POI? I don't think any lender could give this much credit line without substantial income.....Tnx
BCU requested POI the day I joined and applied for my first credit card, but with that they also gave me the PLOC with only 1 HP. They did request POI also for the auto loan because it was over 365 days after my first loan they said. This card was instant approval the rep said, even though it has been over 365 since the last requested POI, underwriting didn't request anything from me this time. The only kind of POI they have ever asked me for was my last paycheck stub.

So, pretty much they asked for POI each and every time except once. You never asked for CLI, right? I don't see any option to request CLI, unless its not available for me and that I would need to contact customer service for that....Don't know if if its worth asking for CLI with a HP, or just apply for another card with them when HP would be there anyway.....

Re: BCU Travel Rewards + Card Approval

bigpoppa09 — Tue, 28 Apr 2026 05:41:30 GMT

@Janneman wrote:
@CardHunter wrote:
@Janneman wrote:
@CardHunter wrote:
I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)
Inquiries 2/24
DTI. 3%

Were you ever asked for POI, from joining the CU till for each card? If so, what kind of POI? I don't think any lender could give this much credit line without substantial income.....Tnx
BCU requested POI the day I joined and applied for my first credit card, but with that they also gave me the PLOC with only 1 HP. They did request POI also for the auto loan because it was over 365 days after my first loan they said. This card was instant approval the rep said, even though it has been over 365 since the last requested POI, underwriting didn't request anything from me this time. The only kind of POI they have ever asked me for was my last paycheck stub.
So, pretty much they asked for POI each and every time except once. You never asked for CLI, right? I don't see any option to request CLI, unless its not available for me and that I would need to contact customer service for that....Don't know if if its worth asking for CLI with a HP, or just apply for another card with them when HP would be there anyway.....

How long have u had your card ? requesting a CLI is easy in the App click on card services scroll down its right under balance transfer. I have been a member with them for 2 years. When i first joined and got my first card with them they asked for POI since then they havent. between my two credit cards and PLOC i have $60K with them and my auto refinance is with them to they have been great.

Re: BCU Travel Rewards + Card Approval

bigpoppa09 — Tue, 28 Apr 2026 05:44:30 GMT

@CardHunter wrote:
I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)
Inquiries 2/24
DTI. 3%

Congrats BCU has been awesome for me i have 2 credit cards and PLOC Total $60K and i Refinanced my auto loan with them. They have shown me nothing but love.

Re: BCU Travel Rewards + Card Approval

Janneman — Tue, 28 Apr 2026 16:15:14 GMT

@bigpoppa09 wrote:
@Janneman wrote:
@CardHunter wrote:
@Janneman wrote:
@CardHunter wrote:
I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)
Inquiries 2/24
DTI. 3%

Were you ever asked for POI, from joining the CU till for each card? If so, what kind of POI? I don't think any lender could give this much credit line without substantial income.....Tnx
BCU requested POI the day I joined and applied for my first credit card, but with that they also gave me the PLOC with only 1 HP. They did request POI also for the auto loan because it was over 365 days after my first loan they said. This card was instant approval the rep said, even though it has been over 365 since the last requested POI, underwriting didn't request anything from me this time. The only kind of POI they have ever asked me for was my last paycheck stub.
So, pretty much they asked for POI each and every time except once. You never asked for CLI, right? I don't see any option to request CLI, unless its not available for me and that I would need to contact customer service for that....Don't know if if its worth asking for CLI with a HP, or just apply for another card with them when HP would be there anyway.....
How long have u had your card ? requesting a CLI is easy in the App click on card services scroll down its right under balance transfer. I have been a member with them for 2 years. When i first joined and got my first card with them they asked for POI since then they havent. between my two credit cards and PLOC i have $60K with them and my auto refinance is with them to they have been great.

I have this card for 5 years....I log-in to my account with them thru website than on app, which is why it seems I don't seee any option of Credit limit. You said that you were asked for POI when you joined this CU and got your first card, but were not asked for POI for other products that you have with them...but other member stated above that he was told by BCU that if POI would need to be submitted if 360 days have been passed from the last submission....So, in your case the gap between joining, obtaibning first card and other products was less than a year so to say that POI wasn't needed? Also, what kinda POI was requested, paystubs? Have you ever asked for CLI on any of these credit products? If so, can you confirm if it was indeed a HP? Tnx

Re: BCU Travel Rewards + Card Approval

bigpoppa09 — Tue, 28 Apr 2026 16:26:03 GMT

@Janneman wrote:
@bigpoppa09 wrote:
@Janneman wrote:
@CardHunter wrote:
@Janneman wrote:
@CardHunter wrote:
I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)
Inquiries 2/24
DTI. 3%

Were you ever asked for POI, from joining the CU till for each card? If so, what kind of POI? I don't think any lender could give this much credit line without substantial income.....Tnx
BCU requested POI the day I joined and applied for my first credit card, but with that they also gave me the PLOC with only 1 HP. They did request POI also for the auto loan because it was over 365 days after my first loan they said. This card was instant approval the rep said, even though it has been over 365 since the last requested POI, underwriting didn't request anything from me this time. The only kind of POI they have ever asked me for was my last paycheck stub.
So, pretty much they asked for POI each and every time except once. You never asked for CLI, right? I don't see any option to request CLI, unless its not available for me and that I would need to contact customer service for that....Don't know if if its worth asking for CLI with a HP, or just apply for another card with them when HP would be there anyway.....
How long have u had your card ? requesting a CLI is easy in the App click on card services scroll down its right under balance transfer. I have been a member with them for 2 years. When i first joined and got my first card with them they asked for POI since then they havent. between my two credit cards and PLOC i have $60K with them and my auto refinance is with them to they have been great.
I have this card for 5 years....I log-in to my account with them thru website than on app, which is why it seems I don't seee any option of Credit limit. You said that you were asked for POI when you joined this CU and got your first card, but were not asked for POI for other products that you have with them...but other member stated above that he was told by BCU that if POI would need to be submitted if 360 days have been passed from the last submission....So, in your case the gap between joining, obtaibning first card and other products was less than a year so to say that POI wasn't needed? Also, what kinda POI was requested, paystubs? Have you ever asked for CLI on any of these credit products? If so, can you confirm if it was indeed a HP? Tnx

The Gap was way over a year let me reiterate 2 years ago day 1 joining approved for a CC and personal loan.

It's been way over a year since I was asked for POI. I guess my profile speaks for itself. U are over thinking this I have had a CLI on card 1 it was a Hard Pull. I did this in my recent app spree two months ago. Here is best part the HP is good for 30 days so grab anything u want at one time My dashboard also showed me preapproved for $80K auto loan and $35K personal loan. POI only consisted of 2 pay stubs.

Re: BCU Travel Rewards + Card Approval

bigpoppa09 — Tue, 28 Apr 2026 16:32:34 GMT

@bigpoppa09 wrote:
@Janneman wrote:
@bigpoppa09 wrote:
@Janneman wrote:
@CardHunter wrote:
@Janneman wrote:
@CardHunter wrote:
I developed a banking relationship with BCU a couple of years ago when they were the FOTM and moved my primary checking & savings over to them. I opened up a BCU Cash Rewards Card with a $25K limit and a $25K PLOC same day. A year later I took out a auto loan for $65K. Today I took them up on a elevated offer to open a BCU Travel Rewards + card for 70K welcome bonus points. I received a instant approval for a starting line $35K and the rep (which was awesome btw.) said if I wanted he could up the limit to $50K. Even though AMEX gets majority of my spend, by far BCU has gave me everything I've ever wanted, plus some. Just wanted to share my story, thanks for reading.

TU Pulled: Fico 817 / BCU Score 815 (Vantagescore 3.0)
Inquiries 2/24
DTI. 3%

Were you ever asked for POI, from joining the CU till for each card? If so, what kind of POI? I don't think any lender could give this much credit line without substantial income.....Tnx
BCU requested POI the day I joined and applied for my first credit card, but with that they also gave me the PLOC with only 1 HP. They did request POI also for the auto loan because it was over 365 days after my first loan they said. This card was instant approval the rep said, even though it has been over 365 since the last requested POI, underwriting didn't request anything from me this time. The only kind of POI they have ever asked me for was my last paycheck stub.
So, pretty much they asked for POI each and every time except once. You never asked for CLI, right? I don't see any option to request CLI, unless its not available for me and that I would need to contact customer service for that....Don't know if if its worth asking for CLI with a HP, or just apply for another card with them when HP would be there anyway.....
How long have u had your card ? requesting a CLI is easy in the App click on card services scroll down its right under balance transfer. I have been a member with them for 2 years. When i first joined and got my first card with them they asked for POI since then they havent. between my two credit cards and PLOC i have $60K with them and my auto refinance is with them to they have been great.
I have this card for 5 years....I log-in to my account with them thru website than on app, which is why it seems I don't seee any option of Credit limit. You said that you were asked for POI when you joined this CU and got your first card, but were not asked for POI for other products that you have with them...but other member stated above that he was told by BCU that if POI would need to be submitted if 360 days have been passed from the last submission....So, in your case the gap between joining, obtaibning first card and other products was less than a year so to say that POI wasn't needed? Also, what kinda POI was requested, paystubs? Have you ever asked for CLI on any of these credit products? If so, can you confirm if it was indeed a HP? Tnx
The Gap was way over a year let me reiterate 2 years ago day 1 joining approved for a CC and personal loan.
It's been way over a year since I was asked for POI. I guess my profile speaks for itself. U are over thinking this I have had a CLI on card 1 it was a Hard Pull. I did this in my recent app spree two months ago. Here is best part the HP is good for 30 days so grab anything u want at one time My dashboard also showed me preapproved for $80K auto loan and $35K personal loan. POI only consisted of 2 pay stubs.

In the App tap services scroll down as u see it's clearly there