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Andrews FCU

Valued Member

Andrews FCU

I applied for memebership, but havent been approved yet. My questions are about their credit cards, but I haven't found the answers so far. I'm definitely applying for the Titanium card, but also want the Simplicity card. By March 2021 I'll be 1/12 for new cards. My Util will be 3% with $113K and 4-6 INQs on all 3 bureaus. How are they with approving 2 cards at once? I'm not concered about 2 HPs. Is $113k too much available credit? I have 2 cards, $21k combined, that I plan on closing eventually. Closing them will still leave me at 3-4% Util. The other DP is my Gold card not counting into Util. I only pay the statment balance each month, so it will show between 2-3K

Trans 750 EX 750 EQ 750
CO Quicksilver 1,500
FNBO Speedway 11,000
Amex BCP 18,000
Barclay Uber 9,850
Sync Lowes 16,000
Chase FU (P2) 6,600
Chase F 12,000
Discover (P2) 18,000
US Bank Cash+ 12,000
General Electric CU 15,000
Hilton Honors 12,000
Utilization 4%
Negative - 30 day 5 years ago
Message 1 of 25
24 REPLIES 24
Community Leader
Super Contributor

Re: Andrews FCU

I wouldn't count on being able to acquire 2 cards from them back-to-back.

 

What is it about the Simplicity that appeals to you?  You looking for a low-APR no-BT-fee card?

 

You already have a few accounts, even discounting the AU cards, with > $10K CL so going for the Titanium isn't a pipe dream.

 

I wouldn't worry about having $113K in aggregate credit.



(12/2020)
FICO 8 (EX) 813 (TU) 808 (EQ) 797
FICO 9 (EX) 823 (TU) 821 (EQ) 825

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 25
Valued Member

Re: Andrews FCU

Thanks for the insight. Yeah the Simplicity is mainly the 0 BT fee. I can get a slighty better, .2%, apr on a card from GE credit union, or my Speedway card always has a 6.99% BT offer for as long as I have a balance. But they both have either a 3-5% fee, negating that apr difference. We'll see how I feel in a few months, but I may pass on both cards

Trans 750 EX 750 EQ 750
CO Quicksilver 1,500
FNBO Speedway 11,000
Amex BCP 18,000
Barclay Uber 9,850
Sync Lowes 16,000
Chase FU (P2) 6,600
Chase F 12,000
Discover (P2) 18,000
US Bank Cash+ 12,000
General Electric CU 15,000
Hilton Honors 12,000
Utilization 4%
Negative - 30 day 5 years ago
Message 3 of 25
Valued Contributor

Re: Andrews FCU


@8Hunnid wrote:

I applied for memebership, but havent been approved yet. My questions are about their credit cards, but I haven't found the answers so far. I'm definitely applying for the Titanium card, but also want the Simplicity card. By March 2021 I'll be 1/12 for new cards. My Util will be 3% with $113K and 4-6 INQs on all 3 bureaus. How are they with approving 2 cards at once? I'm not concered about 2 HPs. Is $113k too much available credit? I have 2 cards, $21k combined, that I plan on closing eventually. Closing them will still leave me at 3-4% Util. The other DP is my Gold card not counting into Util. I only pay the statment balance each month, so it will show between 2-3K


I have been with Andrew's a few years now with a car loan, paying like the green grocer. I was sorta interested in their Titanium Rewards VISA, and they never offered me any mailer on it. Now this past month I get a mailer for their Simplicity Card, but that one is of no interest to me. Hopefully someday they change their offer for their Titanium card.

 

Good Luck in getting whatever card you go for OP! Smiley Happy






Potential Future Cards
Message 4 of 25
Valued Member

Re: Update: Andrews FCU

I messaged Andrew's about getting both cards and how long between apps. Their response was that right now Andrew's does not allow members to have more than 1 active Visa Card. As a MFer, I was shocked, such blasphemy. 

 

I'll probably just do the Simplicity  card. That $0 BT fee is nice. I probably can't get approved for 50k, ahem like some people, but hopefully 15k is possible 

Trans 750 EX 750 EQ 750
CO Quicksilver 1,500
FNBO Speedway 11,000
Amex BCP 18,000
Barclay Uber 9,850
Sync Lowes 16,000
Chase FU (P2) 6,600
Chase F 12,000
Discover (P2) 18,000
US Bank Cash+ 12,000
General Electric CU 15,000
Hilton Honors 12,000
Utilization 4%
Negative - 30 day 5 years ago
Message 5 of 25
Super Contributor

Re: Andrews FCU


@8Hunnid wrote:

I applied for memebership, but havent been approved yet. My questions are about their credit cards, but I haven't found the answers so far. I'm definitely applying for the Titanium card, but also want the Simplicity card. By March 2021 I'll be 1/12 for new cards. My Util will be 3% with $113K and 4-6 INQs on all 3 bureaus. How are they with approving 2 cards at once? I'm not concered about 2 HPs. Is $113k too much available credit? I have 2 cards, $21k combined, that I plan on closing eventually. Closing them will still leave me at 3-4% Util. The other DP is my Gold card not counting into Util. I only pay the statment balance each month, so it will show between 2-3K


Do you know if they do a hard pull for membership?


Total revolving limits 653000 (575000 reporting)

Message 6 of 25
Valued Member

Re: Andrews FCU

Soft pull for membership. I'm not in their footprint, but I applied after joining the ACC

Trans 750 EX 750 EQ 750
CO Quicksilver 1,500
FNBO Speedway 11,000
Amex BCP 18,000
Barclay Uber 9,850
Sync Lowes 16,000
Chase FU (P2) 6,600
Chase F 12,000
Discover (P2) 18,000
US Bank Cash+ 12,000
General Electric CU 15,000
Hilton Honors 12,000
Utilization 4%
Negative - 30 day 5 years ago
Message 7 of 25
Valued Contributor

Re: Andrews FCU

Admittedly, I decided to start with them by applying for membership this week. Intrigued by the approvals. My membership app went pending as they replied and asked for my TU to be unfrozen. Odd because during the application process I answered a bunch of those "verify you" questions that clearly came from somewhere even though the 3B's are frozen.  When I called they confirmed it would be a SP for membership. I'm waiting for their next message/update. 

Message 8 of 25
Super Contributor

Re: Andrews FCU


@cashorcharge wrote:

Admittedly, I decided to start with them by applying for membership this week. Intrigued by the approvals. My membership app went pending as they replied and asked for my TU to be unfrozen. Odd because during the application process I answered a bunch of those "verify you" questions that clearly came from somewhere even though the 3B's are frozen.  When I called they confirmed it would be a SP for membership. I'm waiting for their next message/update. 


I inquired, and they responded that it would be a TU soft pull.


Total revolving limits 653000 (575000 reporting)

Message 9 of 25
Moderator

Re: Andrews FCU


@SouthJamaica wrote:

@cashorcharge wrote:

Admittedly, I decided to start with them by applying for membership this week. Intrigued by the approvals. My membership app went pending as they replied and asked for my TU to be unfrozen. Odd because during the application process I answered a bunch of those "verify you" questions that clearly came from somewhere even though the 3B's are frozen.  When I called they confirmed it would be a SP for membership. I'm waiting for their next message/update. 


I inquired, and they responded that it would be a TU soft pull.


More worried about Chex heard it was either an Exp or TU sp as well for membership, but rest assured a chex pull Smiley Tongue

Message 10 of 25
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