topic Re: Has anyone apped recently, for this card? If so any data points? in Credit Cards

Has anyone apped recently, for this card? If so any data points?

galahad15 — Fri, 16 Dec 2016 21:24:49 GMT

A while back, posters in at least 2 other threads that I can recall had pointed out this gem of a card, that has a rewards program structure very similar to the Citi Costco card, link provided below. I was just wondering if anyone has apped recently for this card, and if so, do you have any data points, such as the FICO score you were approved at for it, the SL you received if approved, etc.? I recently checked the credit pulls database, but I couldn't find any info on the card the last time I searched for it there?

https://www.infirstfcu.org/personal-banking/credit-cards/visa-rewards/

Re: Has anyone apped recently, for this card? If so any data points?

Anonymous — Fri, 16 Dec 2016 20:02:50 GMT

I just got approved this week for the Costco Visa, SL of $5,500!!! I am in rebuild mode so the approval itself was shocking, much less the SL.

They pulled Exp or EQ, can't remember which right now, but both reports are nearly identical. Scores 663-665,several old baddies still reporting, including a few public records. These are paid but we not all reflected as such on my reports yet. My AAOA is less than 2 yrs and I also have 10+ inquiries on each report,due to rebuilding and no new credit in over 10 yrs beyond car loans.

The biggest kicker? One of the PR's is a $10k judgement from Citi filed in 2010. I've paid this in full, but the non-TU CB's have not updated it. TU actually deleted my paid judgements -yay!

Anyway, I was stunned to even get approved, much less a good SL. I tried for the Citi DC the same night but got declined for that. I guess I'm not officially back in with them until I get approved for a non-co branded card but at lest my foot is slightly I the door

Hope this helps

Re: Has anyone apped recently, for this card? If so any data points?

Anonymous — Fri, 16 Dec 2016 20:05:18 GMT

Ugh, never mind. I thought you were asking about the Costco Visa. Sorry for apparent lack of reading comprehension skills.

Re: Has anyone apped recently, for this card? If so any data points?

kdm31091 — Fri, 16 Dec 2016 20:22:11 GMT

I tend to think there's usually a reason when a product isn't popular. Maybe the credit union isn't the best somehow. There's gotta be a reason no one went for this.

Re: Has anyone apped recently, for this card? If so any data points?

Anonymous — Fri, 16 Dec 2016 20:46:56 GMT

@Anonymous wrote:
Ugh, never mind. I thought you were asking about the Costco Visa. Sorry for apparent lack of reading comprehension skills.

I was gonna say...

Re: Has anyone apped recently, for this card? If so any data points?

galahad15 — Fri, 16 Dec 2016 21:24:04 GMT

@Anonymous wrote:
Ugh, never mind. I thought you were asking about the Costco Visa. Sorry for apparent lack of reading comprehension skills.

No worries, it's all good lol -- also congrats on your Citi Costco VISA approval; that is awesome!!

Re: Has anyone apped recently, for this card? If so any data points?

galahad15 — Fri, 16 Dec 2016 21:28:42 GMT

@kdm31091 wrote:
I tend to think there's usually a reason when a product isn't popular. Maybe the credit union isn't the best somehow. There's gotta be a reason no one went for this.

I was considering apping for it not too long ago; then ultimately decided to continue to garden. The only obvious drawback that I could see about the card based on the website info about it is that if IIRC, the rewards program appears to require $50 increments, in order to redeem for statement credits.

Re: Has anyone apped recently, for this card? If so any data points?

Anonymous — Sat, 17 Dec 2016 17:22:55 GMT

Are there geographic biases for members? I'm in California.

Re: Has anyone apped recently, for this card? If so any data points?

Anonymous — Sat, 17 Dec 2016 17:24:42 GMT

Guess not…
*Select Individual if you are applying for yourself only. Select Joint if you are applying with another person, or if you are married and living in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI).

Re: Has anyone apped recently, for this card? If so any data points?

Anonymous — Sat, 17 Dec 2016 19:51:27 GMT

Great card! If it is TU I am gonna click the button.
Keep me posted please

Re: Has anyone apped recently, for this card? If so any data points?

CYBERSAM — Sun, 18 Dec 2016 02:43:01 GMT

Seems like a nice card with no AF. If you don't have the categories then why not! 👍

Re: Has anyone apped recently, for this card? If so any data points?

Anonymous — Sun, 18 Dec 2016 11:20:58 GMT

Anyone know who they pull?