topic Re: Signature FCU Visa Signature & LOC in Credit Cards

Signature FCU Visa Signature & LOC

Anonymous — Sun, 13 Feb 2022 15:45:04 GMT

So I have been trying to research a lot of DP for SignatureFCU and couldn't really see good information. Became a member last week and decided to apply for Visa 2% and LOC. asked me what amount for both. Maxed the 25k for visa and 10k for LOC. one of the questions on the app were have u ever filed for bk in the last 7 years... of course put yes so after app it said pending... from what I reached and experienced with the membership application it will take a while. No rush I did not see a HP immediately. Current scores for equifax is high 600s so will update you guys on DP soon

Re: Signature FCU Visa Signature & LOC

SouthJamaica — Sun, 13 Feb 2022 16:12:08 GMT

@Anonymous wrote:
So I have been trying to research a lot of DP for SignatureFCU and couldn't really see good information. Became a member last week and decided to apply for Visa 2% and LOC. asked me what amount for both. Maxed the 25k for visa and 10k for LOC. one of the questions on the app were have u ever filed for bk in the last 7 years... of course put yes so after app it said pending... from what I reached and experienced with the membership application it will take a while. No rush I did not see a HP immediately. Current scores for equifax is high 600s so will update you guys on DP soon

Was there a hard pull for membership?

Re: Signature FCU Visa Signature & LOC

woodyman100 — Mon, 14 Feb 2022 02:24:26 GMT

They do take sweet time. Good luck!

Re: Signature FCU Visa Signature & LOC

gregorius — Mon, 14 Feb 2022 03:02:26 GMT

@woodyman100 wrote:
They do take sweet time. Good luck!

You can say that again - I'm still waiting for them to process a CC app from last March!

Re: Signature FCU Visa Signature & LOC

woodyman100 — Wed, 16 Feb 2022 20:01:42 GMT

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Signature-FCU-Updated-Upated-again/m-p/5905867

For your perusal

Re: Signature FCU Visa Signature & LOC

woodyman100 — Fri, 18 Feb 2022 00:59:08 GMT

I decided to fish for data points. I apped 2 nights ago for the LOC from Signature.
they called today and went over my report with me. Pulled EQ mortgage Fico 5.

Asked about the 11 inquiries over the last year and about a personal loan I have.
Guy put me on hold and never came back to the phone.
Denial showed up on the app an hour later 😂🤣

Re: Signature FCU Visa Signature & LOC

FinStar — Fri, 18 Feb 2022 02:26:31 GMT

@woodyman100 wrote:
I decided to fish for data points. I apped 2 nights ago for the LOC from Signature.
they called today and went over my report with me. Pulled EQ mortgage Fico 5.
Asked about the 11 inquiries over the last year and about a personal loan I have.
Guy put me on hold and never came back to the phone.
Denial showed up on the app an hour later 😂🤣

@woodyman100 - it was the hold/silence for me 😂😂

Although I haven't seen many DPs on this particular CU, I take it they're somewhat conservative? Or, is the LOC much difficult to qualify for?

Re: Signature FCU Visa Signature & LOC

woodyman100 — Fri, 18 Feb 2022 02:35:30 GMT

@FinStar wrote:
@woodyman100 wrote:
I decided to fish for data points. I apped 2 nights ago for the LOC from Signature.
they called today and went over my report with me. Pulled EQ mortgage Fico 5.
Asked about the 11 inquiries over the last year and about a personal loan I have.
Guy put me on hold and never came back to the phone.
Denial showed up on the app an hour later 😂🤣
@woodyman100 - it was the hold/silence for me 😂😂

Although I haven't seen many DPs on this particular CU, I take it they're somewhat conservative? Or, is the LOC much difficult to qualify for?

I honestly don't know. They did say my income was well into the qualification range. Mentioned the 100+ cards too. Asked me why I needed it and I politely said "I don't. Just want it". Guy was very polite until he ghosted me like a rabid prom date!

Re: Signature FCU Visa Signature & LOC

FinStar — Fri, 18 Feb 2022 02:52:14 GMT

@woodyman100 wrote:
@FinStar wrote:
@woodyman100 wrote:
I decided to fish for data points. I apped 2 nights ago for the LOC from Signature.
they called today and went over my report with me. Pulled EQ mortgage Fico 5.
Asked about the 11 inquiries over the last year and about a personal loan I have.
Guy put me on hold and never came back to the phone.
Denial showed up on the app an hour later 😂🤣
@woodyman100 - it was the hold/silence for me 😂😂

Although I haven't seen many DPs on this particular CU, I take it they're somewhat conservative? Or, is the LOC much difficult to qualify for?
I honestly don't know. They did say my income was well into the qualification range. Mentioned the 100+ cards too. Asked me why I needed it and I politely said "I don't. Just want it". Guy was very polite until he ghosted me like a rabid prom date!

Best comment on the interwebz today 😂😂

Hey, at least you were honest! Some individuals tend to clutch their pearls when asked that very particular question.