topic Re: CCCU..Having problems meeting demand in General Credit Topics

CCCU..Having problems meeting demand

Anonymous — Fri, 29 Jun 2007 23:10:54 GMT

I don't doubt it with the number of folks from here making apps.

Here is the email I got today from CCCU.

Thank you for your interest in Christian Community Credit Union. We are sorry for the delay. We are experiencing a high volume of applications. We will be contacting your shortly with an answer to your request.

Thank you

Re: CCCU..Having problems meeting demand

Anonymous — Sat, 30 Jun 2007 04:12:22 GMT

I got the same msg.

Re: CCCU..Having problems meeting demand

Anonymous — Sat, 30 Jun 2007 04:13:50 GMT

SGT_F when did you apply?

Re: CCCU..Having problems meeting demand

Tuscani — Sat, 30 Jun 2007 04:15:02 GMT

Try contacting Patty Mclain at PMclain@mycccu.com

Re: CCCU..Having problems meeting demand

Bruiser — Sat, 30 Jun 2007 04:54:33 GMT

hang in there, it took 9 days for me to get approved

and when you get approved you're actually talking to someone, instead of a letter or auto-approval

i find it worth the wait when someone actually looks over your credit report instead of having a computer nazi make the decision

Re: CCCU..Having problems meeting demand

Anonymous — Sat, 30 Jun 2007 04:59:33 GMT

Bruiser,

Anything special we need to know prior to that call?

Re: CCCU..Having problems meeting demand

Bruiser — Sat, 30 Jun 2007 05:19:06 GMT

i would be prepared to scan your utility bill or fax it over for proof of your address

that is all he needed from me

and i got an email instead of a call

whatever you asked for, he will either agree to or counter offer and give you an amount

after the counter offer,..i was able to increase my limit from 1k to 2k by adding my wife as a joint account holder due to her having no debt in her name really, but she has poor credit, it didn't seem to matter in that area, just the income and debt helped out my CL

Re: CCCU..Having problems meeting demand

Anonymous — Sat, 30 Jun 2007 19:02:21 GMT

I applied 6/28. I got a call from them today saying that they have an over-load and they are working hard...and to allow at least 5 more days.

Message Edited by SGT_F on 06-30-2007 12:02 PM

Re: CCCU..Having problems meeting demand

Anonymous — Sat, 30 Jun 2007 19:17:50 GMT

I got approved today for a $5,000 mastercard and they are refinancing my 13.19 auto loan (HSBC) at 9%. I love CCCU!!!

My Equifax FICO is 614 and I had a BK in 2003.

Re: CCCU..Having problems meeting demand

Anonymous — Sat, 30 Jun 2007 19:19:36 GMT

Did they pull EX or EQ on you...zoom?

Re: CCCU..Having problems meeting demand

Anonymous — Sat, 30 Jun 2007 19:59:11 GMT

They pulled Experian, but....

I received the "sorry for the delay" e-mail from them a couple days after I applied and I responded to it with an explanation of my baddies and a copy (pdf attachment) of my Equifax. I think that is what did the trick for me. I'm very happy though as my last offer was a $300 credit limit from HSBC (Household) and a $29 fee. The CCCU card is a $5,000 credit limit at 12.19% (2.19% for balance transfers) and no annual fee.

Also, they offered a better auto loan rate without me even asking and without pulling a new credit report. Again, I love CCCU!!!!

Re: CCCU..Having problems meeting demand

Anonymous — Sun, 01 Jul 2007 00:24:38 GMT

Hi I'm a newbie and I've been lurking on here for a while studying and yesterday I sent off my letters to the credit bureaus for corrections. I applied at CCCU a few weeks ago and yesterday someone called me to fax over my pay stubs. Is this a good sign that I will be approved? By the way for years I did not bother with checking my credit since I had a divorce and bk back in 1999. Scores are 621 ex 642 eq and 652 tu. Are these good scores to be approved for CCCU? Just to say how much you guys helped I went on a app spree and these are the results: Hooters Approved ATA Barclays Approved Nordstrom approved Macy's approved Capital One No Hassles approved HSBC Approved Best Buy MC approved Kay's approved HSBC did me wrong though yesterday by decreasing my limit by 900 dollars while out shopping. I don't think I want to use them anymore so I'm paying off Capital One, HSBC and Best buy by socking them and transferring them to a high limit discover card that my boyfriend added me as an authorized user to use. He also added me to his high limit AMEX. Will these help my credit score? Sorry so long but want to say thanks for a great forum.

Re: CCCU..Having problems meeting demand

Tuscani — Sun, 01 Jul 2007 00:26:49 GMT

workingit wrote:
Hi I'm a newbie and I've been lurking on here for a while studying and yesterday I sent off my letters to the credit bureaus for corrections. I applied at CCCU a few weeks ago and yesterday someone called me to fax over my pay stubs. Is this a good sign that I will be approved? By the way for years I did not bother with checking my credit since I had a divorce and bk back in 1999. Scores are 621 ex 642 eq and 652 tu. Are these good scores to be approved for CCCU? Just to say how much you guys helped I went on a app spree and these are the results: Hooters Approved ATA Barclays Approved Nordstrom approved Macy's approved Capital One No Hassles approved HSBC Approved Best Buy MC approved Kay's approved HSBC did me wrong though yesterday by decreasing my limit by 900 dollars while out shopping. I don't think I want to use them anymore so I'm paying off Capital One, HSBC and Best buy by socking them and transferring them to a high limit discover card that my boyfriend added me as an authorized user to use. He also added me to his high limit AMEX. Will these help my credit score? Sorry so long but want to say thanks for a great forum.

Assuming your DTI works out, you should be approved.

Re: CCCU..Having problems meeting demand

Anonymous — Tue, 03 Jul 2007 06:34:29 GMT

Thanks