topic Re: alliant credit union offer? in Credit Cards

alliant credit union offer?

Anonymous — Thu, 19 Nov 2015 19:23:48 GMT

I got this in my email. How accurate are their pre-approvals and what kind of application process should I expect?

Re: alliant credit union offer?

FinStar — Thu, 19 Nov 2015 19:30:54 GMT

@Anonymous wrote:
I got this in my email. How accurate are their pre-approvals and what kind of application process should I expect?

I would say pretty accurate, provided not much has changed in your profile from the time the offer was made and when you apply. I was aproved for $15K with 12.24%. Are you currently a member of Alliant?

Re: alliant credit union offer?

Anonymous — Thu, 19 Nov 2015 19:43:04 GMT

@FinStar wrote:
@Anonymous wrote:
I got this in my email. How accurate are their pre-approvals and what kind of application process should I expect?

I would say pretty accurate, provided not much has changed in your profile from the time the offer was made and when you apply. I was aproved for $15K with 12.24%. Are you currently a member of Alliant?

Dang!! $15K right off the bat? haha. Yeah, I've been a member for a year. Thinking of going for it..hmm...Do you remember which report they pulled?

Re: alliant credit union offer?

baller4life — Thu, 19 Nov 2015 19:44:21 GMT

Have you apped yet? *in my Captool voice! 😂

Re: alliant credit union offer?

Anonymous — Thu, 19 Nov 2015 19:55:40 GMT

I've been gardening so well.... but that $300 though.. haha decisions decisions

Re: alliant credit union offer?

Anonymous — Thu, 19 Nov 2015 20:22:20 GMT

applied and it said a loan officer will get back to me. most likely denial or verification?

Re: alliant credit union offer?

Ron1 — Thu, 19 Nov 2015 20:24:22 GMT

@Anonymous wrote:
applied and it said a loan officer will get back to me. most likely denial or verification?

Good luck!!!! It's probably to call for verification.

Ron.

Re: alliant credit union offer?

FinStar — Thu, 19 Nov 2015 20:34:22 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
I got this in my email. How accurate are their pre-approvals and what kind of application process should I expect?

I would say pretty accurate, provided not much has changed in your profile from the time the offer was made and when you apply. I was aproved for $15K with 12.24%. Are you currently a member of Alliant?
Dang!! $15K right off the bat? haha. Yeah, I've been a member for a year. Thinking of going for it..hmm...Do you remember which report they pulled?

Alliant pulled EQ for me (I'm in OH). Here's a screenshot of the CC page:

Re: alliant credit union offer?

FinStar — Thu, 19 Nov 2015 20:38:49 GMT

@Ron1 wrote:
@Anonymous wrote:
applied and it said a loan officer will get back to me. most likely denial or verification?
Good luck!!!! It's probably to call for verification.

Ron.

Right. More than likely verification and/or if they want you to submit some additional information OP. Mine also went into loan officer review before the approval.

The email confirmation followed afterwards (within 1 day):

Re: alliant credit union offer?

Themanwhocan — Thu, 19 Nov 2015 20:51:43 GMT

Alliant pulled Equifax for me.

Thats a great offer, all I got was the standard $100 offer. With $20K starting limit @ 18.24 APR, which they said was because I had opened a few credit cards recently.

I'm basically moving to using Alliant as my main bank.

Re: alliant credit union offer?

Anonymous — Thu, 19 Nov 2015 21:07:40 GMT

There's a 50,000 point , $2500/spend, offer.

Re: alliant credit union offer?

Anonymous — Thu, 19 Nov 2015 23:08:34 GMT

@Anonymous wrote:
There's a 50,000 point , $2500/spend, offer.

I probably haven't paid my dues to qualify for that offer haha

Re: alliant credit union offer?

Anonymous — Thu, 19 Nov 2015 23:08:54 GMT

thanks for the replies, everyone!

Re: alliant credit union offer?

Anonymous — Thu, 19 Nov 2015 23:13:53 GMT

@baller4life wrote:
Have you apped yet? *in my Captool voice! 😂

Now that made me smile! 😄

Re: alliant credit union offer?

CreditDunce — Fri, 20 Nov 2015 03:03:41 GMT

@Anonymous wrote:
There's a 50,000 point , $2500/spend, offer.

Yeah, that is the offer they sent me. It is a better offer then the OP's. Although, they don't mention an APR with my pre-approval. I will wait until next month to decide. I will probably not bite, though. I am trying to save money right now. Meeting the spend would interfer with that goal.

Does anyone know how many points it takes to redeem as cash? I see $500 for 50k points. I just can't see myself spending that much on the card after redeeming the sign on bonus. The points expire after 4-5 years.

Re: alliant credit union offer?

Kenny — Fri, 20 Nov 2015 03:40:07 GMT

Glad to know if I wait there is a bigger preapproval out there. I'm sure if you're preapproved for 30k point offer at 12.24% then you're also at best rate for the 50k points.

Re: alliant credit union offer?

Ron1 — Fri, 20 Nov 2015 12:52:35 GMT

@FinStar wrote:
@Ron1 wrote:
@Anonymous wrote:
applied and it said a loan officer will get back to me. most likely denial or verification?
Good luck!!!! It's probably to call for verification.

Ron.
Right. More than likely verification and/or if they want you to submit some additional information OP. Mine also went into loan officer review before the approval.

The email confirmation followed afterwards (within 1 day):

Mine was easy. I got pre-approval when I joined. I didn't have that problem. No vertification. I only got approved for $10K.

Ron.

Re: alliant credit union offer?

Stevielynx — Sun, 10 Jan 2016 02:38:18 GMT

I applied and received no immediate response. Not even a confirmation of submittal. I did check in pending apps and it's in there.

I received a NFCU instant approval, so I got my hopes up.

Re: alliant credit union offer?

ThriftySaver — Thu, 11 Feb 2016 09:58:03 GMT

When you applied did they ask for any verificaiton docs like paystubs

Re: alliant credit union offer?

Anonymous — Thu, 11 Feb 2016 12:40:57 GMT

@ThriftySaver wrote:
When you applied did they ask for any verificaiton docs like paystubs

I applied for the 50k offer last week and was approved. I wasn't asked for any verification docs. During the approval process I was asked how much C/L I wanted, I responded $10k and that was what the card was approved for.

Chris.