topic Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI? in Credit Cards

Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid 700's)

KnowledgeSeekr — Thu, 20 Oct 2022 04:55:40 GMT

Ideally looking to add 2 credit union cards to add with high limits ($20k+) & 2 high limit business credit cards to add. Needs to be no POI. Business 8yr old was used off an on, showing good income last 60 days, projected $100k/yr

Already with:

Personal: Navy, PenFed, NASA, Chase, Discover, Wells | Applied but asked for POI: PSECU, Alliant
Business: BofA, NIH, Wells, Waiting on Amex | Denied Chase Ink (inquiries), Marcus, Cap on Tap (appied 2 months ago)

FICO 8: EQ: 761, TU: 754, EX: 731

INQ's: EQ: 3 TU: 3 EX: 10 (last 12 mo 5 from auto)
Recent Accounts: 2 (last 24 mo.)
Util. 21% AAoA: 5yr, 11mo.
AoOA: 16 yrs, 8 mo. AoYA: 2.5 mo

Located in AZ

Was looking at:
Personal: SECU, Unify, Langley, Teachere, Consumers, BECU (may POI)
Busines: BMO Harris, US Bank (seems low SL), Patelco, BHG Financial, PayPal MC, Whyndham, Spectra, Interra, Banc of CA, Synovus, Randoph Brooks

Don't want to waste any HP's so appreciate any help!

Re: Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid

M_Smart007 — Thu, 20 Oct 2022 05:28:25 GMT

Any specific reason .. as to why you do not want to provide POI?

Re: Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid

KnowledgeSeekr — Thu, 20 Oct 2022 05:57:22 GMT

@M_Smart007 wrote:
Any specific reason .. as to why you do not want to provide POI?

As I mentioned above "Business 8yr old was used off an on, showing good income last 60 days", should have added "Only". Was involved in a partnership that ended up in a court battle for previous 4 years so just got this business back up and running full time this year. Last 2 years returns won't show enough income.

Best Credit Union with High Limits that Pulls TU or EQ & No POI?

KnowledgeSeekr — Sat, 22 Oct 2022 12:45:41 GMT

Looking to apply to a couple of credit unions to finish off my app spree. 750+ Fico TU & EQ. Already with Navy, PenFed & NIH.

Ideally looking for CU's that give out higher starting limits $20k+

Thanks in advance for the help!

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

Lou-natic — Sat, 22 Oct 2022 13:31:43 GMT

Dover FCU and they have a pre-qual. 2% cashback Mastercard and were giving out 20k limits like candy recently.

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

bourgogne — Sun, 23 Oct 2022 00:33:50 GMT

@Lou-natic wrote:
Dover FCU and they have a pre-qual. 2% cashback Mastercard and were giving out 20k limits like candy recently.

not to be a party pooper but I believe dover pulls ex and requires poi for cards and the prequal looks at debt on the first pass, meaning the prequals don't often line up w the reality. as a possible alternative i got north of $20K, no poi and an EQ pull with DCU exactly a year ago. I use the card for tolls and fuel in the EU, sort of an add on to a car refi I did. they did not combine pulls and the card is not contactless. easy to deal with cu imo.

edit: if desired the card can hook onto the back of a checking account for overdraft, the % used to be 8.5 but is now 11. no ftf and no cash advance fee. if one wants to use the card at an atm it will not overdraft the checking acct, one must do a transfer which is instant. there is a 7 day grace as well. its a no frills decent card for what it is imo

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

KnowledgeSeekr — Sun, 23 Oct 2022 01:18:24 GMT

@KnowledgeSeekr wrote:
Looking to apply to a couple of credit unions to finish off my app spree. 750+ Fico TU & EQ. Already with Navy, PenFed & NIH.

Ideally looking for CU's that give out higher starting limits $20k+

Thanks in advance for the help!

Yeah I looked into them but it seems they often require POI according to a bunch of approvals in a few FB groups.

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

KnowledgeSeekr — Sun, 23 Oct 2022 01:20:27 GMT

@bourgogne wrote:
@Lou-natic wrote:
Dover FCU and they have a pre-qual. 2% cashback Mastercard and were giving out 20k limits like candy recently.
not to be a party pooper but I believe dover pulls ex and requires poi for cards and the prequal looks at debt on the first pass, meaning the prequals don't often line up w the reality. as a possible alternative i got north of $20K, no poi and an EQ pull with DCU exactly a year ago. I use the card for tolls and fuel in the EU, sort of an add on to a car refi I did. they did not combine pulls and the card is not contactless. easy to deal with cu imo.
edit: if desired the card can hook onto the back of a checking account for overdraft, the % used to be 8.5 but is now 11. no ftf and no cash advance fee. if one wants to use the card at an atm it will not overdraft the checking acct, one must do a transfer which is instant. there is a 7 day grace as well. its a no frills decent card for what it is imo

Thanks for the resopnse. When I was shopping for an autoloan they requested POI so to be clear they don't for their CC's?

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

Remedios — Sun, 23 Oct 2022 02:02:39 GMT

Just about all CUs can and will ask for POI. There is no way to tell if they will ask you or not.

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

OmarGB9 — Sun, 23 Oct 2022 02:52:38 GMT

@KnowledgeSeekr wrote:
@bourgogne wrote:
@Lou-natic wrote:
Dover FCU and they have a pre-qual. 2% cashback Mastercard and were giving out 20k limits like candy recently.
not to be a party pooper but I believe dover pulls ex and requires poi for cards and the prequal looks at debt on the first pass, meaning the prequals don't often line up w the reality. as a possible alternative i got north of $20K, no poi and an EQ pull with DCU exactly a year ago. I use the card for tolls and fuel in the EU, sort of an add on to a car refi I did. they did not combine pulls and the card is not contactless. easy to deal with cu imo.
edit: if desired the card can hook onto the back of a checking account for overdraft, the % used to be 8.5 but is now 11. no ftf and no cash advance fee. if one wants to use the card at an atm it will not overdraft the checking acct, one must do a transfer which is instant. there is a 7 day grace as well. its a no frills decent card for what it is imo
Thanks for the resopnse. When I was shopping for an autoloan they requested POI so to be clear they don't for their CC's?

They ask for POI on CCs. I have first-hand experience.

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

KnowledgeSeekr — Sun, 23 Oct 2022 03:21:15 GMT

@Remedios wrote:
Just about all CUs can and will ask for POI. There is no way to tell if they will ask you or not.

Sure all can but there are for sure some that more likely not to ask for POI like Navy, Landley, NIH biz, etc. Isn't that the point of both posting data points and asking for dp's to figure out what a creditor is "typically" looking for to get approved?

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

Remedios — Sun, 23 Oct 2022 04:20:29 GMT

@KnowledgeSeekr wrote:
@Remedios wrote:
Just about all CUs can and will ask for POI. There is no way to tell if they will ask you or not.

Sure all can but there are for sure some that more likely not to ask for POI like Navy, Landley, NIH biz, etc. Isn't that the point of both posting data points and asking for dp's to figure out what a creditor is "typically" looking for to get approved?

I don't understand what is it that you're trying to say

NFCU asks for POI sometimes.Langley asks sometimes. You asked for DPs and I answered you with what I know for certain, all CUs will ask some members for POI.

That's a DP and you're free to ignore it since it isn't what you wanted to hear

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

bourgogne — Sun, 23 Oct 2022 05:01:48 GMT

@Remedios wrote:
@KnowledgeSeekr wrote:
@Remedios wrote:
Just about all CUs can and will ask for POI. There is no way to tell if they will ask you or not.

Sure all can but there are for sure some that more likely not to ask for POI like Navy, Landley, NIH biz, etc. Isn't that the point of both posting data points and asking for dp's to figure out what a creditor is "typically" looking for to get approved?
I don't understand what is it that you're trying to say
NFCU asks for POI sometimes.Langley asks sometimes. You asked for DPs and I answered you with what I know for certain, all CUs will ask some members for POI.
That's a DP and you're free to ignore it since it isn't what you wanted to hear ,

ask sometimes is different than can and will ask for POI. as you alluded to all of us our are own statistic and data point. I am self-employed which should be a little red flag and have had loans and cards with penfed, dcu & nfcu and have never been asked for anything. limits always over $25K. I have had 100s of consumer + biz accounts over the past 4+ decades with ax, chase, bofa, cap1, wf, pnc all of them and have never been asked for anything. I get what the op is trying to get to, there is just know way to know until you take a shot

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

KnowledgeSeekr — Sun, 23 Oct 2022 06:07:47 GMT

@Remedios wrote:
@KnowledgeSeekr wrote:
@Remedios wrote:
Just about all CUs can and will ask for POI. There is no way to tell if they will ask you or not.

Sure all can but there are for sure some that more likely not to ask for POI like Navy, Landley, NIH biz, etc. Isn't that the point of both posting data points and asking for dp's to figure out what a creditor is "typically" looking for to get approved?
I don't understand what is it that you're trying to say
NFCU asks for POI sometimes.Langley asks sometimes. You asked for DPs and I answered you with what I know for certain, all CUs will ask some members for POI.
That's a DP and you're free to ignore it since it isn't what you wanted to hear

My friend, has nothing to do with wanting to hear anything. My point is that there are credit unions that rarely ask for POI and some that are more likely to ask for POI with 750+ scores. As mentioned above Dover tends to lean on the more likely side and Navy would lean on the less likely side. Trying to find more that lean on the less likely side. Obviously nothing is guaranteed but the purpose of gathering datapoints is to figure out the best odds for success. Appreciate your input.

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

ptatohed — Sun, 23 Oct 2022 07:26:56 GMT

I only have 2 experiences with credit cards from CUs - nusenda and AOD. nusenda did not ask for proof of income; AOD asked for 4 paystubs, a blood, urine, and stool sample, my first born, and a few of my 20 digits. As for banks, I don't think I have ever in my life been asked for 'proof' of income - just stated income.

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

M_Smart007 — Sun, 23 Oct 2022 15:37:25 GMT

@ptatohed wrote:
I only have 2 experiences with credit cards from CUs - nusenda and AOD. nusenda did not ask for proof of income; AOD asked for 4 paystubs, a blood, urine, and stool sample, my first born, and a few of my 20 digits. As for banks, I don't think I have ever in my life been asked for 'proof' of income - just stated income.

@ptatohed,

On AOD, you forgot The "selfie" ...how could you forget?

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

M_Smart007 — Sun, 23 Oct 2022 15:12:40 GMT

@KnowledgeSeekr wrote:
@Remedios wrote:
@KnowledgeSeekr wrote:
@Remedios wrote:
Just about all CUs can and will ask for POI. There is no way to tell if they will ask you or not.

Sure all can but there are for sure some that more likely not to ask for POI like Navy, Landley, NIH biz, etc. Isn't that the point of both posting data points and asking for dp's to figure out what a creditor is "typically" looking for to get approved?
I don't understand what is it that you're trying to say
NFCU asks for POI sometimes.Langley asks sometimes. You asked for DPs and I answered you with what I know for certain, all CUs will ask some members for POI.
That's a DP and you're free to ignore it since it isn't what you wanted to hear
My friend, has nothing to do with wanting to hear anything. My point is that there are credit unions that rarely ask for POI and some that are more likely to ask for POI with 750+ scores. As mentioned above Dover tends to lean on the more likely side and Navy would lean on the less likely side. Trying to find more that lean on the less likely side. Obviously nothing is guaranteed but the purpose of gathering datapoints is to figure out the best odds for success. Appreciate your input.

So to be quite honest, I have had a 80/20% success rate ..

Not sure if I am the King of credit unions ??..but have been called that.👑

The only way you are really going to find out, is to apply with four leaf clover in one hand

and

1)	COPY OF TWO MOST RECENT PAY STUBS

in the other hand.

While one person might report Affinity FCU asking for POI, another might not.

The terms YEMV & YMMV might really apply here, more than anywhere else.

I am sure you are aware, most CU's pull ChexSystems for membership,

so you will only get so far in a short period of time.

Re: Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid

spiritcraft1 — Sun, 23 Oct 2022 15:29:48 GMT

Maybe try PSECU for personal. They pull EX mortgage but both the DW and I recieved $30k which is their max without POI.

Elan has been good recently. The DW just got a 10K Biz card and then a $25k Max cash card a week apart from a bank that she had zero relationship with and is geo fenced from acually getting an account with. Again, no POI, both instant.

Re: Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid

M_Smart007 — Sun, 23 Oct 2022 15:44:42 GMT

@KnowledgeSeekr wrote:
@M_Smart007 wrote:
Any specific reason .. as to why you do not want to provide POI?
As I mentioned above "Business 8yr old was used off an on, showing good income last 60 days", should have added "Only". Was involved in a partnership that ended up in a court battle for previous 4 years so just got this business back up and running full time this year. Last 2 years returns won't show enough income.

If you are self employed, the likelihood of asking for two years of tax returns is very high.

I have only read "2,202,788" forum messages, so what do I know? ( a lot less than some)

Re: Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid

spiritcraft1 — Sun, 23 Oct 2022 18:27:38 GMT

@M_Smart007 wrote:
@KnowledgeSeekr wrote:
@M_Smart007 wrote:
Any specific reason .. as to why you do not want to provide POI?
As I mentioned above "Business 8yr old was used off an on, showing good income last 60 days", should have added "Only". Was involved in a partnership that ended up in a court battle for previous 4 years so just got this business back up and running full time this year. Last 2 years returns won't show enough income.
If you are self employed, the likelihood of asking for two years of tax returns is very high.
I have only read "2,202,788" forum messages, so what do I know? ( a lot less than some)