topic Re: Langley CU in Credit Card Applications

Langley CU

Jnbmom — Tue, 31 Aug 2021 17:08:18 GMT

I recently applied for increase on my lower limit card 10K, I have 15K on other.

I was instantly approved received a call the next day stating they would email loan docs to sign. Never got email played phone tag for several days , finally got a rep on phone. Said sorry you were denied 😳

Stated exceeded excessive credit lines , (yes heard that before from PF) so why did you confirm online and through rep it was approved .

Honestly I am trimming the fat and they just moved to the front of the line . Will ponder this afternoon and then decide.

While I know it's just business and nothing personal I think I will keep my business with my other CUs. Not angry just giving a heads up from my experience

Re: Langley CU

cashorcharge — Tue, 31 Aug 2021 18:56:25 GMT

While this was last year and I thought it was very much "COVID related" I too was declined for the same reason...though my request was for a new CC, not a CLI. I didn't/don't have any credit products with them. Closed my account and moved on....

Re: Langley CU

CreditCuriosity — Tue, 31 Aug 2021 19:29:54 GMT

I personally detest Langley as similar things happened to me although no cards with them scores 800's all looks good and finalizing then end up in denial. Closed out account and moved on. They are looking for a certain profile and I am not it I get it, but be clear on your communication and don't avoid the AA letter etc I had to call them to find out it was ultimately denied etc. Closed my account a year or two back and that is fine as stated they work for some and others they don't just like other issuers. Their communication is the issue I have with them or lack there-of.

Re: Langley CU

ReGuy71 — Tue, 31 Aug 2021 20:46:30 GMT

I had a good experience recently. I applied for membership, checking account and credit card using the same EQ 9 pull in August. Everything via phone and email. Approved for all but the credit card was borderline approval until I prove myself. Wanted to use the same pull for a LOC but was deined. It was a stretch anyway. For me, the experience has been great. Good communication and service. I deinfitely look forward to expanding my relationship with them.

Re: Langley CU

chalupaman — Tue, 31 Aug 2021 20:50:44 GMT

Langley has been a strange one for me. I still cannot get a membership with them for some reason and there's always some reason as to why they can't verify my information.

Re: Langley CU

ReGuy71 — Tue, 31 Aug 2021 20:53:03 GMT

Did you speak to someone when you applied? I first used their Chat feature, then the Rep set up a time to talk and did everything over the phone except for the Docusign docs which were emailed and executed during the call.

Re: Langley CU

Anonymous — Tue, 31 Aug 2021 22:19:20 GMT

Sorry for your denial.

I was denied for WF Propel for too many tradelines (23). I guess Langley will be a no go too

Re: Langley CU

altstates93 — Tue, 31 Aug 2021 23:48:26 GMT

Just in case anyone checks out the thread looking for this specific bit of information, I can tell you, per the representative I spoke to, that Langley FCU will hard pull your credit just for joining.

I considered opening an account with them as a prologue to applying for one of their credit cards next year. Though learning that just joining triggers a hard pull quickly scuttled that plan.

Moments later I called Affinity FCU, applied for a membership/savings account over the phone (only a soft pull with them), and learned of my approval while still on the phone with the representative. A snap.

I still plan to eventually try joining Langley, but requiring a hard pull puts them further back in the line of lenders for me.

Re: Langley CU

Jnbmom — Wed, 01 Sep 2021 19:10:57 GMT

@ReGuy71 wrote:
Did you speak to someone when you applied? I first used their Chat feature, then the Rep set up a time to talk and did everything over the phone except for the Docusign docs which were emailed and executed during the call.

No I did not , I applied online as I always have done in regards to Langley and then they called, but obviously wouldn't make a difference in their second thought decision.

Re: Langley CU

jbestman007 — Thu, 02 Sep 2021 10:21:11 GMT

@altstates93 wrote:
Just in case anyone checks out the thread looking for this specific bit of information, I can tell you, per the representative I spoke to, that Langley FCU will hard pull your credit just for joining.

I considered opening an account with them as a prologue to applying for one of their credit cards next year. Though learning that just joining triggers a hard pull quickly scuttled that plan.

Moments later I called Affinity FCU, applied for a membership/savings account over the phone (only a soft pull with them), and learned of my approval while still on the phone with the representative. A snap.

I still plan to eventually try joining Langley, but requiring a hard pull puts them further back in the line of lenders for me.

I am with Langley. Online application was a softpull. If you use a rep, it most likely would be a hard pull.

Re: Langley CU

Anonymous — Thu, 02 Sep 2021 20:10:56 GMT

Langley has become a tough cookie lately...First they will instantly approve you online "conditionally" (if everything seems ok) and even let you know how much you are approved for...However, this approval means not much because their lending/credit department would always do manual underwriting afterwards...a day or so later....and if they see you have too many accounts or too much available credit then they will either deny you or give you very low SL. And when they deny you for this reason (for having tons of revolving accounts or too much available credit), they won't mention this reasoning on the AA notice, rather they would put other reasons like couldn't verify your documents such as identity, address and employment...It has happened to 4 of my friends including myself...

I applied online in March of this year...got instantly approved for a good SL...but a week later received AA letter that they have decided to deny my application for the reason that they couldn't verify my identity and address...I called them and they insisted me to stop by one of their branches...I kept insisted them that its impossible for me to drive 340 miles just to stop by to their branch just for submitting these documents when I can email/fax/mail them, but they refused...Since SL was extremely big, I decided to drive all the way from NYC to VA as they are located in VA...360 miles from my place...it took me many hours of drive, tolls, gas and waste of my whole one and half days...I stopped by to their one of the branches and presented all those documents in person, but credit department then decided to give me only $1k SL rather than what they initially approved me for $28k...I got totally pissed off and asked them that why they asked me to come all the way from 360 miles and wasted my time, energy, money for $1k...I had very heated argument with underwriting...I mean- very heated one...And I told the underwriter that I don't want anything from them...

A few days later the same underwriting called me and tried to feel sorry for me that I had to go to 360 miles just for this..and tried to offer me a card with good SL if I could close some of my existing accounts with other creditors...I told her that I was planning to close down some of my accounts anyway which I am not using much but I won't do it right away as what she wanted me to do...She insisted that she wanna help me in extending a good SL but she needed to answer to her boss too..otherwise she said that her job would be in risk...She also informed me that Langley is now EXTREMELY sensitive to number of revolving accounts and total available CL since February of this year...I refused her offer at that time...She then started calling me almost once or twice a week to check up on me if I wanna get rid of some of my accounts....We kinda became friends...but I told her that I don't do any business with Langley as of now and I am not getting rid of any of my existing account as of now...but she still checks up on me time and time again...However, a few weeks ago I noticed a pre-approved offer of BIG SL for their credit card appeared on my membership page which is still there, but I have decided not to apply with them anymore because -(1) I am in garden (walking and walking and walking...) and I dont wanna waste HP with them as they are very hard to trust.. although she is saying that Langley wont do again to me what they did before but I am not trusting them as of now....

As for 4 of my friends, then they were all instantly got approved but 10 days later 2 of them received denial letter (AA) and other two were offered (over the phone) a toy limit...Langley is extremely sensitive to numbers of revolving accounts and total available CL...I thought this area belongs to First Tech Credit Union, but now Langley is following their footprints....

Re: Langley CU

AverageJoesCredit — Thu, 02 Sep 2021 13:44:04 GMT

@Anonymous wrote:
Langley has become a tough cookie lately...First they will instantly approve you online "conditionally" (if everything seems ok) and even let you know how much you are approved for...However, this approval means not much because their lending/credit department would always do manual underwriting afterwards...a day or so later....and if they see you have too many accounts or too much available credit then they will either deny you or give you very low SL. And when they deny you for this reason (for having tons of revolving accounts or too much available credit), they won't mention this reasoning on the AA notice, rather they would put other reasons like couldn't verify your documents such as identity, address and employment...It has happened to 4 of my friends and including to myself...

I applied online in March of this year...got instantly approved for a good SL...but a week later received AA letter that they have decided to deny my application for the reason that they couldn't verify my identity and address...I called them and they insisted me to stop by one of their branches...I kept insisted them that its impossible for me to drive 340 miles just to stop by to their branch just for submitting these documents when I can email/fax/mail them, but they refused...Since SL was extremely big, I decided to drive all the way from NYC to VA as they are located in VA...360 miles from my place...it took me many hours of drive, tolls, gas and waste of my whole one and half days...I stopped by to their one of the branches and presented all those documents in person, but credit department then decided to give me only $1k SL rather than what they initially approved me for $28k...I got totally pissed off and asked them that why they asked me to come all the way from 360 miles and wasted my time, energy, money for $1k...I had very heated argument with underwriting...I mean- very heated one...And I told the underwriter that I don't want anything from them...

A few days later the same underwriting called me and tried to feel sorry for me that I had to go to 360 miles just for this..and tried to offer me a card with good SL if I could close some of my existing accounts with other creditors...I told her that I was planning to close down some of my accounts anyway which I am not using much but I won't do it right away as what she wanted me to do...She insisted that she wanna help me in extending a good SL but she needed to answer to her boss too..otherwise she said that her job would be in risk...She also informed me that Langley is now EXTREMELY sensitive to number of revolving accounts and total available CL since February of this year...I refused her offer at that time...She then started calling me almost once or twice a week to check up on me if I wanna get rid of some of my accounts....We kinda became friends...but I told her that I don't do any business with Langley as of now and I am not getting rid of any of my existing account as of now...but she still checks up on me time and time again...However, a few weeks ago I noticed a pre-approved offer of BIG SL for their credit card appeared on my membership page which is still there, but I have decided not to apply with them anymore because -(1) I am in garden (walking and walking and walking...) and I dont wanna waste HP with them as they are very hard to trust.. although she is saying that Langley wont do again to me what they did before but I am not trusting them as of now....

As for 4 of my friends, then they were all instantly got approved but 10 days later 2 of they received denial letter (AA) and other two were offered (over the phone) toy limit...Langley is extremely sensitive to numbers of revolving accounts and total available CL...I thought this area belongs to First Tech Credit Union, but now Langley is following their footprints....

Also seem to be sensitive or allergic to low income lol. Cant get nothing more from them and im not fan of their web interface. They should look at how PSECU updated theirs and learn a lesson. If one gets fraud on their card, like i did, expects weeks before charge gets deleted and is delt with by Visa card Services, not Langley

Re: Langley CU

Anonymous — Thu, 02 Sep 2021 20:20:19 GMT

@AverageJoesCredit wrote:
@Anonymous wrote:
Langley has become a tough cookie lately...First they will instantly approve you online "conditionally" (if everything seems ok) and even let you know how much you are approved for...However, this approval means not much because their lending/credit department would always do manual underwriting afterwards...a day or so later....and if they see you have too many accounts or too much available credit then they will either deny you or give you very low SL. And when they deny you for this reason (for having tons of revolving accounts or too much available credit), they won't mention this reasoning on the AA notice, rather they would put other reasons like couldn't verify your documents such as identity, address and employment...It has happened to 4 of my friends and including to myself...

I applied online in March of this year...got instantly approved for a good SL...but a week later received AA letter that they have decided to deny my application for the reason that they couldn't verify my identity and address...I called them and they insisted me to stop by one of their branches...I kept insisted them that its impossible for me to drive 340 miles just to stop by to their branch just for submitting these documents when I can email/fax/mail them, but they refused...Since SL was extremely big, I decided to drive all the way from NYC to VA as they are located in VA...360 miles from my place...it took me many hours of drive, tolls, gas and waste of my whole one and half days...I stopped by to their one of the branches and presented all those documents in person, but credit department then decided to give me only $1k SL rather than what they initially approved me for $28k...I got totally pissed off and asked them that why they asked me to come all the way from 360 miles and wasted my time, energy, money for $1k...I had very heated argument with underwriting...I mean- very heated one...And I told the underwriter that I don't want anything from them...

A few days later the same underwriting called me and tried to feel sorry for me that I had to go to 360 miles just for this..and tried to offer me a card with good SL if I could close some of my existing accounts with other creditors...I told her that I was planning to close down some of my accounts anyway which I am not using much but I won't do it right away as what she wanted me to do...She insisted that she wanna help me in extending a good SL but she needed to answer to her boss too..otherwise she said that her job would be in risk...She also informed me that Langley is now EXTREMELY sensitive to number of revolving accounts and total available CL since February of this year...I refused her offer at that time...She then started calling me almost once or twice a week to check up on me if I wanna get rid of some of my accounts....We kinda became friends...but I told her that I don't do any business with Langley as of now and I am not getting rid of any of my existing account as of now...but she still checks up on me time and time again...However, a few weeks ago I noticed a pre-approved offer of BIG SL for their credit card appeared on my membership page which is still there, but I have decided not to apply with them anymore because -(1) I am in garden (walking and walking and walking...) and I dont wanna waste HP with them as they are very hard to trust.. although she is saying that Langley wont do again to me what they did before but I am not trusting them as of now....

As for 4 of my friends, then they were all instantly got approved but 10 days later 2 of they received denial letter (AA) and other two were offered (over the phone) toy limit...Langley is extremely sensitive to numbers of revolving accounts and total available CL...I thought this area belongs to First Tech Credit Union, but now Langley is following their footprints....
Also seem to be sensitive or allergic to low income lol. Cant get nothing more from them and im not fan of their web interface. They should look at how PSECU updated theirs and learn a lesson. If one gets fraud on their card, like i did, expects weeks before charge gets deleted and is delt with by Visa card Services, not Langley

I think all lenders are allergic to low income one way or another except Navy Federal...but then it also depends on how low we are talking about...because what seems low to you, might not seem low to a lender..Most lenders do work with applicants even with low income....You might not get big SL right off the bat but at least you could sneak into their bones and from there you can work your way up to get where you wanna be...lols

Re: Langley CU

AverageJoesCredit — Thu, 02 Sep 2021 20:35:21 GMT

@Anonymous wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:
Langley has become a tough cookie lately...First they will instantly approve you online "conditionally" (if everything seems ok) and even let you know how much you are approved for...However, this approval means not much because their lending/credit department would always do manual underwriting afterwards...a day or so later....and if they see you have too many accounts or too much available credit then they will either deny you or give you very low SL. And when they deny you for this reason (for having tons of revolving accounts or too much available credit), they won't mention this reasoning on the AA notice, rather they would put other reasons like couldn't verify your documents such as identity, address and employment...It has happened to 4 of my friends and including to myself...

I applied online in March of this year...got instantly approved for a good SL...but a week later received AA letter that they have decided to deny my application for the reason that they couldn't verify my identity and address...I called them and they insisted me to stop by one of their branches...I kept insisted them that its impossible for me to drive 340 miles just to stop by to their branch just for submitting these documents when I can email/fax/mail them, but they refused...Since SL was extremely big, I decided to drive all the way from NYC to VA as they are located in VA...360 miles from my place...it took me many hours of drive, tolls, gas and waste of my whole one and half days...I stopped by to their one of the branches and presented all those documents in person, but credit department then decided to give me only $1k SL rather than what they initially approved me for $28k...I got totally pissed off and asked them that why they asked me to come all the way from 360 miles and wasted my time, energy, money for $1k...I had very heated argument with underwriting...I mean- very heated one...And I told the underwriter that I don't want anything from them...

A few days later the same underwriting called me and tried to feel sorry for me that I had to go to 360 miles just for this..and tried to offer me a card with good SL if I could close some of my existing accounts with other creditors...I told her that I was planning to close down some of my accounts anyway which I am not using much but I won't do it right away as what she wanted me to do...She insisted that she wanna help me in extending a good SL but she needed to answer to her boss too..otherwise she said that her job would be in risk...She also informed me that Langley is now EXTREMELY sensitive to number of revolving accounts and total available CL since February of this year...I refused her offer at that time...She then started calling me almost once or twice a week to check up on me if I wanna get rid of some of my accounts....We kinda became friends...but I told her that I don't do any business with Langley as of now and I am not getting rid of any of my existing account as of now...but she still checks up on me time and time again...However, a few weeks ago I noticed a pre-approved offer of BIG SL for their credit card appeared on my membership page which is still there, but I have decided not to apply with them anymore because -(1) I am in garden (walking and walking and walking...) and I dont wanna waste HP with them as they are very hard to trust.. although she is saying that Langley wont do again to me what they did before but I am not trusting them as of now....

As for 4 of my friends, then they were all instantly got approved but 10 days later 2 of they received denial letter (AA) and other two were offered (over the phone) toy limit...Langley is extremely sensitive to numbers of revolving accounts and total available CL...I thought this area belongs to First Tech Credit Union, but now Langley is following their footprints....
Also seem to be sensitive or allergic to low income lol. Cant get nothing more from them and im not fan of their web interface. They should look at how PSECU updated theirs and learn a lesson. If one gets fraud on their card, like i did, expects weeks before charge gets deleted and is delt with by Visa card Services, not Langley
I think all lenders are allergic to low income one way or another except Navy Federal...but then it also depends on how low we are talking about...because what seems low to you, might not seem low to a lender..Most lenders do work with applicants even with low income....You might not get big SL right off the bat but at least you could sneak into their bones and from there you can work your way up to get where you wanna be...lols

Lol thats true, ive accomplished alot on what i make if people saw my income theyd laugh at me but ive done all right credit wise. Whats hurt me is helping family and Covid, most debt is from that. Know how to manage credit well just need the means to excell at it. But its true you never know which lender works well for you until you try them out PSECU and Navy have been amazing.

Re: Langley CU

altstates93 — Fri, 03 Sep 2021 05:50:41 GMT

@jbestman007

Good to know I could avoid a hard pull by applying online instead of over the phone.

Having only two credit cards, I likely won't encounter the "too many trade lines" issue. If all goes as planned next year, Langley would make number four (Citi Custom Cash would come before Langley).

Re: Langley CU

Wavester64 — Fri, 10 Sep 2021 19:27:33 GMT

@Jnbmom wrote:
I recently applied for increase on my lower limit card 10K, I have 15K on other.

I was instantly approved received a call the next day stating they would email loan docs to sign. Never got email played phone tag for several days , finally got a rep on phone. Said sorry you were denied 😳

Stated exceeded excessive credit lines , (yes heard that before from PF) so why did you confirm online and through rep it was approved .

Honestly I am trimming the fat and they just moved to the front of the line . Will ponder this afternoon and then decide.

While I know it's just business and nothing personal I think I will keep my business with my other CUs. Not angry just giving a heads up from my experience

Was there a HP for the CLI request? I was about to submit for one for the heck of it, but I do not want to waste a HP for something I don't really need.

Re: Langley CU

Jnbmom — Sat, 11 Sep 2021 13:21:58 GMT

@Wavester64 wrote:
@Jnbmom wrote:
I recently applied for increase on my lower limit card 10K, I have 15K on other.

I was instantly approved received a call the next day stating they would email loan docs to sign. Never got email played phone tag for several days , finally got a rep on phone. Said sorry you were denied 😳

Stated exceeded excessive credit lines , (yes heard that before from PF) so why did you confirm online and through rep it was approved .

Honestly I am trimming the fat and they just moved to the front of the line . Will ponder this afternoon and then decide.

While I know it's just business and nothing personal I think I will keep my business with my other CUs. Not angry just giving a heads up from my experience
Was there a HP for the CLI request? I was about to submit for one for the heck of it, but I do not want to waste a HP for something I don't really need.

Yes

Re: Langley CU

Wavester64 — Sat, 11 Sep 2021 14:21:39 GMT

@Jnbmom wrote:
@Wavester64 wrote:
@Jnbmom wrote:
I recently applied for increase on my lower limit card 10K, I have 15K on other.

I was instantly approved received a call the next day stating they would email loan docs to sign. Never got email played phone tag for several days , finally got a rep on phone. Said sorry you were denied 😳

Stated exceeded excessive credit lines , (yes heard that before from PF) so why did you confirm online and through rep it was approved .

Honestly I am trimming the fat and they just moved to the front of the line . Will ponder this afternoon and then decide.

While I know it's just business and nothing personal I think I will keep my business with my other CUs. Not angry just giving a heads up from my experience
Was there a HP for the CLI request? I was about to submit for one for the heck of it, but I do not want to waste a HP for something I don't really need.
Yes

Thanks for heads up. I read elsewhere it's a SP, but I am going listen to you and play it safe. Don't need any unneeded HPs right now.