CCCU decline!!!

[Anonymous]

So I applied for a CC from CCCU, and after 4 days I finally got an answer.....Decline?? When I go to look at the reason it says to many inquiries...(They pull experian and I have 2!), and it says to much credit exposure ? (I have 60K throughout all my CC's and my yearly income is plenty more then that!) I don't get it...they say "your money building gods kingdom"....with decline reasons like this how do they have any money to build his kingdom ? I called in and the credit analist did not seem like he knew up from down, and "highly encouraged" me to re-apply in 30 days ?? Why ?!? I now will have 3 inquiries, and 60K avail. on my CC's. I think this credit union is wearing a pair of VERY TIGHT PANTS indeed. My Experian Fico is 724. Has anyone else had issues such as this with this credit union ?

[Anonymous]

That sounds ridiculous.

[Anonymous]

Tell me about it

[Imhotrodcrazy]

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@Anonymous wrote:

So I applied for a CC from CCCU, and after 4 days I finally got an answer.....Decline?? When I go to look at the reason it says to many inquiries...(They pull experian and I have 2!), and it says to much credit exposure ? (I have 60K throughout all my CC's and my yearly income is plenty more then that!) I don't get it...they say "your money building gods kingdom"....with decline reasons like this how do they have any money to build his kingdom ? I called in and the credit analist did not seem like he knew up from down, and "highly encouraged" me to re-apply in 30 days ?? Why ?!? I now will have 3 inquiries, and 60K avail. on my CC's. I think this credit union is wearing a pair of VERY TIGHT PANTS indeed. My Experian Fico is 724. Has anyone else had issues such as this with this credit union ?

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I  "use"  to be with CCCU several years back because they have an office just down the road from me.  Yes,  I agree,  they do not live up to their slogan.  I was very disappointed in their service,  being a Christian organization,  they did not live up to what they told me.  I withdrew my checking and saving and went elsewhere.  From my experience,  I would not recommend them to anyone. 

[Anonymous]

There are only a few generous credit unions.  For the most part, I find CU's wear very tight pants indeed.

I recently applied for a RBFCU card and being scared as I was, I only asked for $2K,..I did get approved but man, it sucks being scared into a lower limit.  I'd rather get a lower limit than a denial and a HP.

My other gripe is how they ask "What credit limit do you want?"  Ugh....

[Anonymous]

dont let them beat you!