topic Re: Credit Union approval! (Entirely LS's fault...) in Credit Cards

Credit Union approval! (Entirely LS's fault...)

tcbofade — Thu, 15 Mar 2012 12:51:39 GMT

The bad news is that I found my way out of the garden.

The good news is that I KNEW that none of the "prime" nation wide lenders would issue me a credit card due to the number of inquiries I've got showing on my credit reports.

Following the wisdom that I've gained here, I applied for a credit card via a local credit union.

$2,000 Credit line.

The "normal" interest rate is 17.99, but they're currently offering 0 percent on BT for 12 months which is HIGH on my list of "why did I do this".

No, it's not Citibank, Discover, BofA...etc...but it's better than Credit One, Cap One etc...

Progress.

Re: Credit Union approval! (Entirely LS's fault...)

LS2982 — Thu, 15 Mar 2012 12:57:40 GMT

@tcbofade wrote:
The bad news is that I found my way out of the garden.

The good news is that I KNEW that none of the "prime" nation wide lenders would issue me a credit card due to the number of inquiries I've got showing on my credit reports.

Following the wisdom that I've gained here, I applied for a credit card via a local credit union.

$2,000 Credit line.

The "normal" interest rate is 17.99, but they're currently offering 0 percent on BT for 12 months which is HIGH on my list of "why did I do this".

No, it's not Citibank, Discover, BofA...etc...but it's better than Credit One, Cap One etc...

Progress.

..................................................Congrats.................................................................!

Re: Credit Union approval! (Entirely LS's fault...)

Anonymous — Thu, 15 Mar 2012 13:10:02 GMT

I was at BOA two days ago and the teller was pushing some card. I really didn't even get the itch, LOL!! I'm in a place where one of their cards really couldn't add any value and also have vowed to never have a card managed by FIA ever again.

Re: Credit Union approval! (Entirely LS's fault...)

tcbofade — Thu, 15 Mar 2012 13:13:21 GMT

BofA is constantly sending me preapprovals...but if I fill one out and apply, they deny me...

So I quit applying.

Maybe next year...

Re: Credit Union approval! (Entirely LS's fault...)

mmduluth — Thu, 15 Mar 2012 13:56:17 GMT

Alliant is sending me Preapprovals all the time. It's hard not to respond when you see the word "Preapproved"

Re: Credit Union approval! (Entirely LS's fault...)

Anonymous — Thu, 15 Mar 2012 13:57:09 GMT

@tcbofade wrote:
BofA is constantly sending me preapprovals...but if I fill one out and apply, they deny me...

So I quit applying.

Maybe next year...

Beware the BoA Constrictor.

Re: Credit Union approval! (Entirely LS's fault...)

jefftca925 — Thu, 15 Mar 2012 14:39:40 GMT

I opened my first CU account(s) yesterday with Patelco CU. They have great loan and CC rates and a new customer CD that pays 5% APY...but you can only put a max of $1k in it and it's for 12 months ...BOO! But I also was approved for a car loan (1.99%) and a Plat VISA (10k) at 8.15% . So now I can refi my VW to them and lower my interest rate. They are really pushing their loan products when you call CS which was kind of surprising. They were really easy to deal with and hopefully this will be a good relationship. My bro has been with them for a very long time and has been happy with their service.

Re: Credit Union approval! (Entirely LS's fault...)

RyVision — Thu, 15 Mar 2012 15:02:17 GMT

@Anonymous wrote:
@tcbofade wrote:
BofA is constantly sending me preapprovals...but if I fill one out and apply, they deny me...

So I quit applying.

Maybe next year...
Beware the BoA Constrictor.

I'm am SO glad to see that nick name might stick!

Re: Credit Union approval! (Entirely LS's fault...)

RyVision — Thu, 15 Mar 2012 15:05:22 GMT

@tcbofade wrote:
The bad news is that I found my way out of the garden.

The good news is that I KNEW that none of the "prime" nation wide lenders would issue me a credit card due to the number of inquiries I've got showing on my credit reports.

Following the wisdom that I've gained here, I applied for a credit card via a local credit union.

$2,000 Credit line.

The "normal" interest rate is 17.99, but they're currently offering 0 percent on BT for 12 months which is HIGH on my list of "why did I do this".

No, it's not Citibank, Discover, BofA...etc...but it's better than Credit One, Cap One etc...

Progress.

The only big bank you mentioned that might hold a candle to the CU you just joined, might be Discover, so I think you did fine

Re: Credit Union approval! (Entirely LS's fault...)

Anonymous — Thu, 15 Mar 2012 15:10:30 GMT

@RyVision wrote:
@Anonymous wrote:
@tcbofade wrote:
BofA is constantly sending me preapprovals...but if I fill one out and apply, they deny me...

So I quit applying.

Maybe next year...
Beware the BoA Constrictor.
I'm am SO glad to see that nick name might stick!

I love it. I think it perfectly describes that bank.

Re: Credit Union approval! (Entirely LS's fault...)

tcbofade — Thu, 15 Mar 2012 15:54:01 GMT

@RyVision wrote:
@tcbofade wrote:
The bad news is that I found my way out of the garden.

The good news is that I KNEW that none of the "prime" nation wide lenders would issue me a credit card due to the number of inquiries I've got showing on my credit reports.

Following the wisdom that I've gained here, I applied for a credit card via a local credit union.

$2,000 Credit line.

The "normal" interest rate is 17.99, but they're currently offering 0 percent on BT for 12 months which is HIGH on my list of "why did I do this".

No, it's not Citibank, Discover, BofA...etc...but it's better than Credit One, Cap One etc...

Progress.
The only big bank you mentioned that might hold a candle to the CU you just joined, might be Discover, so I think you did fine

Thank you.

I'm kind of ashamed of myself for applying, but thrilled to death with a $2,000, 0% intro rate for 12 months.

Re: Credit Union approval! (Entirely LS's fault...)

LS2982 — Thu, 15 Mar 2012 16:20:53 GMT

@tcbofade wrote:
@RyVision wrote:
@tcbofade wrote:
The bad news is that I found my way out of the garden.

The good news is that I KNEW that none of the "prime" nation wide lenders would issue me a credit card due to the number of inquiries I've got showing on my credit reports.

Following the wisdom that I've gained here, I applied for a credit card via a local credit union.

$2,000 Credit line.

The "normal" interest rate is 17.99, but they're currently offering 0 percent on BT for 12 months which is HIGH on my list of "why did I do this".

No, it's not Citibank, Discover, BofA...etc...but it's better than Credit One, Cap One etc...

Progress.
The only big bank you mentioned that might hold a candle to the CU you just joined, might be Discover, so I think you did fine
Thank you.

I'm kind of ashamed of myself for applying, but thrilled to death with a $2,000, 0% intro rate for 12 months.

(raises hand)...........................

It's too late to apoligize!!!!!!!!!!!!!! It's TOO LATEEEEE!!!!!!!!!!!!

http://www.youtube.com/watch?v=ePyRrb2-fzs

Re: Credit Union approval! (Entirely LS's fault...)

tcbofade — Thu, 15 Mar 2012 16:25:11 GMT

LOL!!!

No worries. I'm pleased as punch with my new card...and will just have to find myself a better padlock for the gate once I'm back in the garden...

...but since I'm already out....

Re: Credit Union approval! (Entirely LS's fault...)

LS2982 — Thu, 15 Mar 2012 16:27:21 GMT

@tcbofade wrote:
LOL!!!

No worries. I'm pleased as punch with my new card...and will just have to find myself a better padlock for the gate once I'm back in the garden...

...but since I'm already out....

LMAO!!!

Don't get my app itch started I just calmed it down!!!