https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807857#M331508 <P>Congrats!&nbsp;</P> Sun, 26 Jan 2025 03:26:12 GMT dfwxjer 2025-01-26T03:26:12Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807664#M331498 <P>Hi All,</P><P>&nbsp;</P><P>I was just approved for PSECU Classic Visa -SL $25,000 after an EX HP. (Max limit offered =$30,000)</P><P>Puchase APR = 12.9% (fixed but subject to change with notice)</P><P>Balance Tranfer APR = 2.9% through 12/31/25 then balance reverts to Purchase APR at that time</P><P>Cash Advance APR = (that I WOULD NEVER DO) = 14.9% (but it's nice to have access to this in an emergency of course)</P><P>Member of CU since 2011 for deposit accounts ONLY. Small balances-under $500</P><P>PSECU FICO via their app as of 1/6/25 = 783</P><P>EX FICO 8 as of 1/24/25 = 777</P><P>1 EX HP from July 2024 PRIOR to this app.</P><P>Stated Income (which is ABSOLUTELY TRUE also) -$85K annually.</P><P>11% revolving utilization of $40,850 in available credit PRIOR to this app.</P><P>Instant system approval-no numan review or docs submitted.</P><P>I have vastly improved all of my FICO scores with TU &amp; EX now fully clean and 1 last account with an issue still reporting on EQ that will fall off no later than April 2025.</P><P>Why would I need CHASE or Wells Fargo or any of the major players who charge Balance Transfer fees and such and PSECU does not.</P><P>This is my highest CL EVER.</P><P>I hope this info helps at least 1 person out there.</P><P>Good luck to all those in the hunt as I am one happy man tonight.</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="PSECU.png" style="width: 260px;"><img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/94910i8C8E67CDCBAF9607/image-size/large?v=v2&amp;px=999" role="button" title="PSECU.png" alt="PSECU.png" /></span></P> Sat, 25 Jan 2025 01:35:55 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807664#M331498 The_Banker 2025-01-25T01:35:55Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807665#M331499 <P>Mods please move to Credit Card Approvals as I posted in the wrong section.</P><P>It was the excitement-HA</P> Sat, 25 Jan 2025 00:10:51 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807665#M331499 The_Banker 2025-01-25T00:10:51Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807672#M331500 <P>whoa, nice approval, they recently switched to doing soft pulls for experian for membership too, new FOTM?&nbsp;</P><P>&nbsp;</P><P>congrats!!</P> Sat, 25 Jan 2025 00:36:50 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807672#M331500 GZG 2025-01-25T00:36:50Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807731#M331502 <P>Nice SL !&nbsp; Congrats on your approval !</P> Sat, 25 Jan 2025 08:34:48 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807731#M331502 Creditwiser 2025-01-25T08:34:48Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807857#M331508 <P>Congrats!&nbsp;</P> Sun, 26 Jan 2025 03:26:12 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/PSECU-25K-CC-Approval/m-p/6807857#M331508 dfwxjer 2025-01-26T03:26:12Z