topic Re: Alliant Trickery in Credit Card Applications

Alliant Trickery

12njoy — Tue, 02 Aug 2016 01:33:11 GMT

I'm super suspicious of this. Never received one of these before. I've been denied like two or three times on cold app with Alliant. Geez

Do you want to...

Earn exclusive rewards

Earn 35,000 points (worth $350)
No annual fee
Earn 1 point for every dollar you spend, and redeem for cash back, gift cards, travel or merchandise
Low variable rates

Use promo code

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Transfer a credit card balance

Introductory 0% APR for 18 months. Then standard variable rate as low as 11.49% APR applies.
Low 3% balance transfer fee
Easy automatic payments

Use promo code

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These limited-time offers expires August 31, 2016 and are open only to select Alliant members, so act fast!

Re: Alliant Trickery

mattmyFIC0 — Tue, 02 Aug 2016 01:39:00 GMT

@12njoy wrote:
I'm super suspicious of this. Never received one of these before. I've been denied like two or three times on cold app with Alliant. Geez

Do you want to...

Earn exclusive rewards

Earn 35,000 points (worth $350)
No annual fee
Earn 1 point for every dollar you spend, and redeem for cash back, gift cards, travel or merchandise
Low variable rates
Use promo code
View terms and conditions
Transfer a credit card balance

Introductory 0% APR for 18 months. Then standard variable rate as low as 11.49% APR applies.
Low 3% balance transfer fee
Easy automatic payments
Use promo code
View terms and conditions
These limited-time offers expires August 31, 2016 and are open only to select Alliant members, so act fast!
I just go the same email offer. They really didn't like me last time I applied

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 01:41:07 GMT

Right, but I must try one last time

Re: Alliant Trickery

mattmyFIC0 — Tue, 02 Aug 2016 01:43:28 GMT

@12njoy wrote:
Right, but I must try one last time

I already have the app filled in LOL

What's your EQ look like the last 6 months?

Re: Alliant Trickery

baller4life — Tue, 02 Aug 2016 01:45:58 GMT

Ohhh that looks like a coveted preapproval! Oh boy! 😄

But there's no set apr in the offer. Hmmmmm

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 01:48:28 GMT

@mattmyFIC0 wrote:
@12njoy wrote:
Right, but I must try one last time
I already have the app filled in LOL

What's your EQ look like the last 6 months?

I've added multiple inq's but I've had 20k in debt drop off thanks to Penfed

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 01:49:38 GMT

@baller4life wrote:
Ohhh that looks like a coveted preapproval! Oh boy! 😄

But there's no set apr in the offer. Hmmmmm

Preapproval I'm sure not, but one can dream I'll await that dear john email and then fire off a secure message

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 01:50:51 GMT

@mattmyFIC0 wrote:
@12njoy wrote:
Right, but I must try one last time
I already have the app filled in LOL

What's your EQ look like the last 6 months?

Are you going for it? I was modest with my request of only 15k. I did leave a comment in the survey box too.

Re: Alliant Trickery

mattmyFIC0 — Tue, 02 Aug 2016 01:52:04 GMT

@12njoy wrote:
@mattmyFIC0 wrote:
@12njoy wrote:
Right, but I must try one last time
I already have the app filled in LOL

What's your EQ look like the last 6 months?
Are you going for it? I was modest with my request of only 15k. I did leave a comment in the survey box too.

Ugh I shouldn't......... I do have it filled it though LOL

I was going to ask 10K. What was your comment?

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 01:57:14 GMT

@mattmyFIC0 wrote:
@12njoy wrote:
@mattmyFIC0 wrote:
@12njoy wrote:
Right, but I must try one last time
I already have the app filled in LOL

What's your EQ look like the last 6 months?
Are you going for it? I was modest with my request of only 15k. I did leave a comment in the survey box too.
Ugh I shouldn't......... I do have it filled it though LOL

I was going to ask 10K. What was your comment?

Basically how attractive the rates are and how it would save me so much money in interest. Also, stated that a throughtful review of my credit usage and payment history will detail my credit worthiness. May not help at all but I figured I would say something this time.

Re: Alliant Trickery

Credit-hoarder — Tue, 02 Aug 2016 02:03:51 GMT

@12njoy: If you app--my psychic ablilities predict one of two outcomes: either a super low limit ($1K or $2k like AMEX) or a super high limit--i.e. $15K or better--no in befween and not a denial this time.

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 02:07:12 GMT

@Credit-hoarder wrote:
@12njoy: If you app--my psychic ablilities predict one of two outcomes: either a super low limit ($1K or $2k like AMEX) or a super high limit--i.e. $15K or better--no in befween and not a denial this time.

Thanks CH. We'll see. I have so many inq's it really didn't matter to app or not. They don't do instant pulls apparently. I think they will pull EQ tomorrow.

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 02:16:28 GMT

Does anyone know if Alliant will use the same HP if done within 30 days?

Re: Alliant Trickery

mattmyFIC0 — Tue, 02 Aug 2016 02:16:46 GMT

@12njoy wrote:
@Credit-hoarder wrote:
@12njoy: If you app--my psychic ablilities predict one of two outcomes: either a super low limit ($1K or $2k like AMEX) or a super high limit--i.e. $15K or better--no in befween and not a denial this time.
Thanks CH. We'll see. I have so many inq's it really didn't matter to app or not. They don't do instant pulls apparently. I think they will pull EQ tomorrow.

That was my experience last time I applied. Got the pull the next day along with an email from LO denying me haha

I don't see the comment section...

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 02:18:19 GMT

@mattmyFIC0 wrote:
@12njoy wrote:
@Credit-hoarder wrote:
@12njoy: If you app--my psychic ablilities predict one of two outcomes: either a super low limit ($1K or $2k like AMEX) or a super high limit--i.e. $15K or better--no in befween and not a denial this time.
Thanks CH. We'll see. I have so many inq's it really didn't matter to app or not. They don't do instant pulls apparently. I think they will pull EQ tomorrow.
That was my experience last time I applied. Got the pull the next day along with an email from LO denying me haha

I don't see the comment section...

It's when you click the box "rate this application"

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 02:18:45 GMT

It's after you complete the application

Re: Alliant Trickery

mattmyFIC0 — Tue, 02 Aug 2016 02:26:55 GMT

I think I'm going to wait and see what happens to you. Dealing with POI is a p.i.t.a being self employed......

Re: Alliant Trickery

ddemari — Tue, 02 Aug 2016 03:08:48 GMT

i've had zero luck with alliant credit applications over the past 2 years. ive never received an email like that either haha.

Re: Alliant Trickery

Anonymous — Tue, 02 Aug 2016 03:17:26 GMT

I received the same offer and I'm curious also, I began filling out the application and caught myself ( I just entered my second month of gardening). I noticed there was no set APR and wonder if it's a real preapproval or just marketing. I never applied for one of their cards before. However, I did apply for two auto loans and both were approved pending POI. I found better offers from NFCU and my local CU in both cases and went that route. I think I will pass on this one but, if they make this offer the same time next year, I will go for it. I like the 18 monts 0%. I will be watching and wish you good luck.

P.S. this was my first offer from them after two years of membership, maybe they're trying to compete with NFCU and PenFed which would be great for MyFicoers

Re: Alliant Trickery

12njoy — Tue, 02 Aug 2016 13:29:40 GMT

I got locked out of my account and had to call Alliant. the rep said I see that you have a promotion on your account for a visa. I explained that I already applied. I asked if they use the same HP within 30 days and she said yes. I was just denied on 7/11/16 so very likely that this will be denied. She said this is a preapproval based off a SP but she couldn't tell me when the SP was done. She said, as we all know, once you apply then they review your full credit file. She emailed the loan officer to let him know that I have an existing HP that is good for another week. She said these are targeted offers based on the SP that you meet/met certain criteria at that time. Worse case scenario I'm denied and no new HP.