topic Re: Andrews FCU in Credit Card Applications

Andrews FCU

8Hunnid — Mon, 26 Oct 2020 18:52:48 GMT

I applied for memebership, but havent been approved yet. My questions are about their credit cards, but I haven't found the answers so far. I'm definitely applying for the Titanium card, but also want the Simplicity card. By March 2021 I'll be 1/12 for new cards. My Util will be 3% with $113K and 4-6 INQs on all 3 bureaus. How are they with approving 2 cards at once? I'm not concered about 2 HPs. Is $113k too much available credit? I have 2 cards, $21k combined, that I plan on closing eventually. Closing them will still leave me at 3-4% Util. The other DP is my Gold card not counting into Util. I only pay the statment balance each month, so it will show between 2-3K

Re: Andrews FCU

coldfusion — Tue, 27 Oct 2020 01:50:13 GMT

I wouldn't count on being able to acquire 2 cards from them back-to-back.

What is it about the Simplicity that appeals to you? You looking for a low-APR no-BT-fee card?

You already have a few accounts, even discounting the AU cards, with > $10K CL so going for the Titanium isn't a pipe dream.

I wouldn't worry about having $113K in aggregate credit.

Re: Andrews FCU

8Hunnid — Tue, 27 Oct 2020 18:40:33 GMT

Thanks for the insight. Yeah the Simplicity is mainly the 0 BT fee. I can get a slighty better, .2%, apr on a card from GE credit union, or my Speedway card always has a 6.99% BT offer for as long as I have a balance. But they both have either a 3-5% fee, negating that apr difference. We'll see how I feel in a few months, but I may pass on both cards

Re: Andrews FCU

Wavester64 — Tue, 27 Oct 2020 19:47:55 GMT

@8Hunnid wrote:
I applied for memebership, but havent been approved yet. My questions are about their credit cards, but I haven't found the answers so far. I'm definitely applying for the Titanium card, but also want the Simplicity card. By March 2021 I'll be 1/12 for new cards. My Util will be 3% with $113K and 4-6 INQs on all 3 bureaus. How are they with approving 2 cards at once? I'm not concered about 2 HPs. Is $113k too much available credit? I have 2 cards, $21k combined, that I plan on closing eventually. Closing them will still leave me at 3-4% Util. The other DP is my Gold card not counting into Util. I only pay the statment balance each month, so it will show between 2-3K

I have been with Andrew's a few years now with a car loan, paying like the green grocer. I was sorta interested in their Titanium Rewards VISA, and they never offered me any mailer on it. Now this past month I get a mailer for their Simplicity Card, but that one is of no interest to me. Hopefully someday they change their offer for their Titanium card.

Good Luck in getting whatever card you go for OP!

Re: Update: Andrews FCU

8Hunnid — Wed, 18 Nov 2020 20:28:45 GMT

I messaged Andrew's about getting both cards and how long between apps. Their response was that right now Andrew's does not allow members to have more than 1 active Visa Card. As a MFer, I was shocked, such blasphemy.

I'll probably just do the Simplicity card. That $0 BT fee is nice. I probably can't get approved for 50k, ahem like some people, but hopefully 15k is possible

Re: Andrews FCU

SouthJamaica — Wed, 18 Nov 2020 21:36:33 GMT

@8Hunnid wrote:
I applied for memebership, but havent been approved yet. My questions are about their credit cards, but I haven't found the answers so far. I'm definitely applying for the Titanium card, but also want the Simplicity card. By March 2021 I'll be 1/12 for new cards. My Util will be 3% with $113K and 4-6 INQs on all 3 bureaus. How are they with approving 2 cards at once? I'm not concered about 2 HPs. Is $113k too much available credit? I have 2 cards, $21k combined, that I plan on closing eventually. Closing them will still leave me at 3-4% Util. The other DP is my Gold card not counting into Util. I only pay the statment balance each month, so it will show between 2-3K

Do you know if they do a hard pull for membership?

Re: Andrews FCU

8Hunnid — Wed, 18 Nov 2020 22:15:27 GMT

Soft pull for membership. I'm not in their footprint, but I applied after joining the ACC

Re: Andrews FCU

cashorcharge — Thu, 19 Nov 2020 03:45:28 GMT

Admittedly, I decided to start with them by applying for membership this week. Intrigued by the approvals. My membership app went pending as they replied and asked for my TU to be unfrozen. Odd because during the application process I answered a bunch of those "verify you" questions that clearly came from somewhere even though the 3B's are frozen. When I called they confirmed it would be a SP for membership. I'm waiting for their next message/update.

Re: Andrews FCU

SouthJamaica — Thu, 19 Nov 2020 04:18:32 GMT

@cashorcharge wrote:
Admittedly, I decided to start with them by applying for membership this week. Intrigued by the approvals. My membership app went pending as they replied and asked for my TU to be unfrozen. Odd because during the application process I answered a bunch of those "verify you" questions that clearly came from somewhere even though the 3B's are frozen. When I called they confirmed it would be a SP for membership. I'm waiting for their next message/update.

I inquired, and they responded that it would be a TU soft pull.

Re: Andrews FCU

CreditCuriosity — Thu, 19 Nov 2020 14:12:32 GMT

@SouthJamaica wrote:
@cashorcharge wrote:
Admittedly, I decided to start with them by applying for membership this week. Intrigued by the approvals. My membership app went pending as they replied and asked for my TU to be unfrozen. Odd because during the application process I answered a bunch of those "verify you" questions that clearly came from somewhere even though the 3B's are frozen. When I called they confirmed it would be a SP for membership. I'm waiting for their next message/update.
I inquired, and they responded that it would be a TU soft pull.

More worried about Chex heard it was either an Exp or TU sp as well for membership, but rest assured a chex pull

Re: Andrews FCU

SouthJamaica — Thu, 19 Nov 2020 15:51:43 GMT

@CreditCuriosity wrote:
@SouthJamaica wrote:
@cashorcharge wrote:
Admittedly, I decided to start with them by applying for membership this week. Intrigued by the approvals. My membership app went pending as they replied and asked for my TU to be unfrozen. Odd because during the application process I answered a bunch of those "verify you" questions that clearly came from somewhere even though the 3B's are frozen. When I called they confirmed it would be a SP for membership. I'm waiting for their next message/update.
I inquired, and they responded that it would be a TU soft pull.
More worried about Chex heard it was either an Exp or TU sp as well for membership, but rest assured a chex pull

My membership was approved quickly (Applied last night, approved this morning). I have lots of Chex inquiries so apparently that's not an issue with them if they do check Chex.

Re: Andrews FCU

cashorcharge — Thu, 19 Nov 2020 16:48:21 GMT

@CreditCuriosity wrote:
More worried about Chex heard it was either an Exp or TU sp as well for membership, but rest assured a chex pull

Thanks. That explains the "verify you" questions I got during the approval procecss...likely from Chex which is fine. As of this morning, my application for membership is still pending so I'm keeping an eye on it. Thanks for the extra DP about Chex!

Re: Andrews FCU

CreditCuriosity — Thu, 19 Nov 2020 17:47:16 GMT

@SouthJamaica wrote:
@CreditCuriosity wrote:
@SouthJamaica wrote:
@cashorcharge wrote:
Admittedly, I decided to start with them by applying for membership this week. Intrigued by the approvals. My membership app went pending as they replied and asked for my TU to be unfrozen. Odd because during the application process I answered a bunch of those "verify you" questions that clearly came from somewhere even though the 3B's are frozen. When I called they confirmed it would be a SP for membership. I'm waiting for their next message/update.
I inquired, and they responded that it would be a TU soft pull.
More worried about Chex heard it was either an Exp or TU sp as well for membership, but rest assured a chex pull
My membership was approved quickly (Applied last night, approved this morning). I have lots of Chex inquiries so apparently that's not an issue with them if they do check Chex.

@SouthJamaica Just applied and instantly approved although appears I am awaiting my member #... Asked all kinds of fun security questions including my license plate #.. Had to go and seek that out. Waiting for member # to get online acces. Titanium card looks interesting and seems pretty relaxed on available credit, etc.. We shall put that to the test soon enough was looking for another CU to join

Re: Andrews FCU

SouthJamaica — Fri, 20 Nov 2020 16:52:16 GMT

I just applied for a credit card with Andrews.

Shockingly they double pulled me... both EX and EQ

I never heard of a credit union doing that

Bummer

Re: Andrews FCU

cashorcharge — Fri, 20 Nov 2020 16:57:56 GMT

@SouthJamaica wrote:
I just applied for a credit card with Andrews.

Shockingly they double pulled me... both EX and EQ

I never heard of a credit union doing that

Bummer

Wow! You didn't mention...so I hope you got/soon get an approval out of that.

I heard back this AM that my membership was approved and I got my Member # so I can get started. I was debating applying for credit products now or give it some time to settle in...see if they send me an offer. I didn't fund the accounts initially with much and contemplating putting more in there before proceeding. All my DP's are great...but I have received a lot of CC approvals this year with other banks so I didn't want to get dinged for that. Please let us know the outcome of the app and I will do the same.

Re: Andrews FCU

Anonymous — Fri, 20 Nov 2020 17:09:11 GMT

I had a few of the same questions. Thanks for posting this!!!!

Re: Andrews FCU

coldfusion — Fri, 20 Nov 2020 19:40:02 GMT

@cashorcharge wrote:
@SouthJamaica wrote:
I just applied for a credit card with Andrews.

Shockingly they double pulled me... both EX and EQ

I never heard of a credit union doing that

Bummer
Wow! You didn't mention...so I hope you got/soon get an approval out of that.
I heard back this AM that my membership was approved and I got my Member # so I can get started. I was debating applying for credit products now or give it some time to settle in...see if they send me an offer. I didn't fund the accounts initially with much and contemplating putting more in there before proceeding. All my DP's are great...but I have received a lot of CC approvals this year with other banks so I didn't want to get dinged for that. Please let us know the outcome of the app and I will do the same.

I've had several AR-coded soft pulls on EQ from them since I've been a member and every so often an email inviting me to apply for the Titanium but never anything like a preapproval or preselection. I did get another ITA recently but mine was a cold app.

Re: Andrews FCU

AlpedHuez — Fri, 20 Nov 2020 21:21:22 GMT

@SouthJamaica wrote:
I just applied for a credit card with Andrews.

Shockingly they double pulled me... both EX and EQ

I never heard of a credit union doing that

Bummer

Yup, I recalled they double pulled me as well for the card. Kinda irked me at that time, but I guess cost of doing business. *shrugs*

Re: Andrews FCU

coldfusion — Fri, 20 Nov 2020 21:47:27 GMT

I would hope that an approval would help remove some of the sting from a double pull.

Re: Andrews FCU

SouthJamaica — Fri, 20 Nov 2020 21:58:19 GMT

@coldfusion wrote:
I would hope that an approval would help remove some of the sting from a double pull.

It would, and a denial would rub salt into it