topic Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!! in Credit Cards

Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 04:17:31 GMT

Thanks to NursePurse info. I decided to join Conusmer Credit Union membership. I wasn't going to apply for anything. I just wanted to open a savings. I filled out all the info and it came back to offer me $10,000 CL at 11.90% APR and savings. I didn't expect they were offering me any credit card's pre-approval. It is not really approved yet. It is pending for manual review. I uploaded my DL and e-sign the docs. I already told them to fund from my checking.

Here is the screen shot:

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

ACsteel — Mon, 07 Apr 2014 04:37:19 GMT

Grats! How do you like NursePurseInfo? Can you share your experience with that site?

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 04:44:41 GMT

Thanks!!!! She said it looks pretty easy. I didn't have any experience with the website. I didn't expect them to give any pre-approval. . I took a chance to apply for the card. I was shocked for the approval. It is still pending for manual review.

Ron.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

ACsteel — Mon, 07 Apr 2014 04:48:13 GMT

I see thanks for sharing, keep us updated, hopefully you get it!

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 04:50:34 GMT

@ACsteel wrote:
I see thanks for sharing, keep us updated, hopefully you get it!

You're welcome. Keep you posted.

Ron.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 04:54:33 GMT

It told me to download the membership agreement and the terms of the credit card.

Ron.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

B335is — Mon, 07 Apr 2014 05:02:47 GMT

Ron did you request $10k? How many TU inq?

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

AeroKrix — Mon, 07 Apr 2014 05:13:30 GMT

@Ron1 wrote:
It told me to download the membership agreement and the terms of the credit card.

Ron.

Do you need to have membership in order to apply for their cc's?

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 05:15:20 GMT

I didn't request $10K. They offered me $10K thru pre-approval. I only had 1 INQ on TU.

Ron.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 05:17:47 GMT

@AeroKrix wrote:
@Ron1 wrote:
It told me to download the membership agreement and the terms of the credit card.

Ron.
Do you need to have membership in order to apply for their cc's?

Yes, I didn't apply for the card first. I just opened a savings for the membership. They offered me $10K credit card card prea-approval during the process of the application.

Ron.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

AeroKrix — Mon, 07 Apr 2014 05:29:38 GMT

@Ron1 wrote:
@AeroKrix wrote:
@Ron1 wrote:
It told me to download the membership agreement and the terms of the credit card.

Ron.
Do you need to have membership in order to apply for their cc's?
Yes, I didn't apply for the card first. I just opened a savings for the membership. They offered me $10K credit card card prea-approval during the process of the application.

Ron.

Based on your own experience, is $10k considered generous or in line with your credit profile? It would it be comparable to the generosity of NFCU?

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 05:43:47 GMT

@AeroKrix wrote:
@Ron1 wrote:
@AeroKrix wrote:
@Ron1 wrote:
It told me to download the membership agreement and the terms of the credit card.

Ron.
Do you need to have membership in order to apply for their cc's?
Yes, I didn't apply for the card first. I just opened a savings for the membership. They offered me $10K credit card card prea-approval during the process of the application.

Ron.
Based on your own experience, is $10k considered generous or in line with your credit profile? It would it be comparable to the generosity of NFCU?

It is not bad. You cannot compare with NFCU or USAA. They are pretty good. They are better than Penfed. They are pretty much the same as Alliant CU. We don't know about the policy of CLI.

Ron.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

B335is — Mon, 07 Apr 2014 06:16:31 GMT

Ron I will wait and see how yours turns out. I think my TU is similar score to you (779)?

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 06:33:30 GMT

@B335is wrote:
Ron I will wait and see how yours turns out. I think my TU is similar score to you (779)?

Yes, I think you have a good chance to get approved.

Ron.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 08:50:07 GMT

I got am alert from MPM. They pulled TU.

Inquirer’s name:	CONSUMERS CO
Industry type:
Address:	P.O. BOX 9119 WAUKEGAN, IL 60079
Phone number:	847- 6233636
Bureau:	TransUnion

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

B335is — Mon, 07 Apr 2014 09:19:27 GMT

Goodluck Ron!! Hopefully they approve you today!

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ron1 — Mon, 07 Apr 2014 09:22:04 GMT

@B335is wrote:
Goodluck Ron!! Hopefully they approve you today!

Thank you!!! Do you plan to apply if I get approved?

Ron.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

B335is — Mon, 07 Apr 2014 09:30:14 GMT

@Ron1 wrote:
@B335is wrote:
Goodluck Ron!! Hopefully they approve you today!
Thank you!!! Do you plan to apply if I get approved?

Ron.

Well I'm at 4 TU inq...if I only had your 1 inq I would for sure. If you're approved maybe 80% chance I'll apply

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

CreditUnionFan — Mon, 07 Apr 2014 13:36:38 GMT

@Ron1 wrote:
@AeroKrix wrote:
@Ron1 wrote:
It told me to download the membership agreement and the terms of the credit card.

Ron.
Do you need to have membership in order to apply for their cc's?
Yes, I didn't apply for the card first. I just opened a savings for the membership. They offered me $10K credit card card prea-approval during the process of the application.

Ron.

They probably HP'd you for the membership, and the preapproval was driven off of that.

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

BigBS — Mon, 07 Apr 2014 14:31:38 GMT

Congrats, Ron! Seems like the Consumers CU was much easier than LMCU was for me. Glad you got approved.