Consumers CU denied with 778 FICO

[Anonymous]

---

@Anonymous wrote:

You guys are scaring me off of CU CC's..

---

Nah, you just have to pick the right ones

[core]

Yeah CU credit cards are usually just fine. But this thread does seem to have turned into a CU hating fest. I will say I still love CU's though.

---

@Anonymous wrote:
What was the appeal of this CU again?

---

The appeal was 3% grocery cash back with a $200k annual spending cap.

[Anonymous]

---

@core wrote:

Yeah CU credit cards are usually just fine. But this thread does seem to have turned into a CU hating fest. I will say I still love CU's though.

---

@Anonymous wrote:
What was the appeal of this CU again?

---

The appeal was 3% grocery cash back with a $200k annual spending cap.

---

That's right.  I forgot about you buying lots of stuff that counts as groceries.  Makes sense

[Anonymous]

---

@Anonymous wrote:

---

@core wrote:

Yeah CU credit cards are usually just fine. But this thread does seem to have turned into a CU hating fest. I will say I still love CU's though.

---

@Anonymous wrote:
What was the appeal of this CU again?

---

The appeal was 3% grocery cash back with a $200k annual spending cap.

---

That's right.  I forgot about you buying lots of stuff that counts as groceries.  Makes sense

---

I like to think of them as future groceries.

[sillykitty1]

---

@core wrote:

---

@jaeproc wrote:

Hey kitty if I may ask, was your credit approval instant? Or they manually review applications?  Thanks!

---

While you're waiting for kitty to respond...

There's no longer any way that it can be instant, but it might have been in the past.  Unless, perhaps, if you do it over the phone with a human.  On the site they use this archaic WebLoan system which just forwards your data to a person.  In fact, there's not even any way to say which Visa card you want to app for.  I had to put it in the comments section.  Instant approval would be impossible I would think, without even having a card type.

---

As core said .... I don't think anything is instant for this CU.  I first applied for membership/savings, which was not instant.  Then once my membership was approved, over the phone applied for the checking and cc, with the same rep that was processing the membership, to insure it was all with the same hp.  The rep pulled and reviewed Chex while was I was on the phone with her, and approved the checking account.  And then she filled out my cc app, and forwarded it to the underwriter for review.  I also had to provide paystub and references for the cc app. 

[sillykitty1]

---

@core wrote:

Yeah CU credit cards are usually just fine. But this thread does seem to have turned into a CU hating fest. I will say I still love CU's though.

---

@Anonymous wrote:
What was the appeal of this CU again?

---

The appeal was 3% grocery cash back with a $200k annual spending cap.

---

For me the 3% on groceries was secondary to the increased APY on the checking account.  By having a cc and spending $1,000 or more per calendar month, APY on the rewards checking account goes from 3.09% to 5.09%

[core]

---

@sillykitty1 wrote:
For me the 3% on groceries was secondary to the increased APY on the checking account.  By having a cc and spending $1,000 or more per calendar month, APY on the rewards checking account goes from 3.09% to 5.09%

---

Ooops yes I left that part out.  For anyone else following along, this is only on balances up to $10k though.  And you have to do 12 transactions (I believe) on your Visa card for a total of at least $1k for the top interest tier.  This is in addition to the 12 on your checking account debit card too, if I'm not mistaken.  So you have to buy 24 $0.50 Amazon gift cards each month, which can be a chore.

Back to your app sillykitty, you had to provide REFERENCES?  Are you kidding?  Like actual personal references, where they would get called?  There's no way in heck I'm giving out phone numbers of friends and family to be interrogated just so I can get a credit card.  I suppose I can always buy some throwaway phone numbers and disguise my voice as an old lady.  "Oh yes, he's a sweet young man, and he would never use a card just for the 3% cash back."  Bah.

[sillykitty1]

---

@core wrote:

---

@sillykitty1 wrote:
For me the 3% on groceries was secondary to the increased APY on the checking account.  By having a cc and spending $1,000 or more per calendar month, APY on the rewards checking account goes from 3.09% to 5.09%

---

Ooops yes I left that part out.  For anyone else following along, this is only on balances up to $10k though.  And you have to do 12 transactions (I believe) on your Visa card for a total of at least $1k for the top interest tier.  This is in addition to the 12 on your checking account debit card too, if I'm not mistaken.  So you have to buy 24 $0.50 Amazon gift cards each month, which can be a chore.  

The max balance recently went up to $20K.  To get the top tier interest, you just have to spend $1K on the card, no minimum number of transactions (beyond the 12 debit), so that is actually easier for me.  For me Amazon gc's didn't work for the 12 debit transactions.  I called and asked why they didn't show up in the counter and I got a vague explanation, and I didn't want to push it, so I dropped it and got the 12 debit  different way.

Back to your app sillykitty, you had to provide REFERENCES?  Are you kidding?  Like actual personal references, where they would get called?  There's no way in heck I'm giving out phone numbers of friends and family to be interrogated just so I can get a credit card.  I suppose I can always buy some throwaway phone numbers and disguise my voice as an old lady.  "Oh yes, he's a sweet young man, and he would never use a card just for the 3% cash back."  Bah.

Funny .... yes, 3 references, name, address, phone number, that don't reside at the same address.  But they don't contact them as part of the card approval process, but keep them on file, "in case we can't get a hold of you", nice way of saying in case you default.

---

[Anonymous]

---

@sillykitty1 wrote:

---

@core wrote:

---

@sillykitty1 wrote:
For me the 3% on groceries was secondary to the increased APY on the checking account.  By having a cc and spending $1,000 or more per calendar month, APY on the rewards checking account goes from 3.09% to 5.09%

---

Ooops yes I left that part out.  For anyone else following along, this is only on balances up to $10k though.  And you have to do 12 transactions (I believe) on your Visa card for a total of at least $1k for the top interest tier.  This is in addition to the 12 on your checking account debit card too, if I'm not mistaken.  So you have to buy 24 $0.50 Amazon gift cards each month, which can be a chore.  

The max balance recently went up to $20K.  To get the top tier interest, you just have to spend $1K on the card, no minimum number of transactions (beyond the 12 debit), so that is actually easier for me.  For me Amazon gc's didn't work for the 12 debit transactions.  I called and asked why they didn't show up in the counter and I got a vague explanation, and I didn't want to push it, so I dropped it and got the 12 debit  different way.

Back to your app sillykitty, you had to provide REFERENCES?  Are you kidding?  Like actual personal references, where they would get called?  There's no way in heck I'm giving out phone numbers of friends and family to be interrogated just so I can get a credit card.  I suppose I can always buy some throwaway phone numbers and disguise my voice as an old lady.  "Oh yes, he's a sweet young man, and he would never use a card just for the 3% cash back."  Bah.

Funny .... yes, 3 references, name, address, phone number, that don't reside at the same address.  But they don't contact them as part of the card approval process, but keep them on file, "in case we can't get a hold of you", nice way of saying in case you default.

---

---

Wow, getting references is common for like second chance auto loans but never heard of it for a credit card 😕

[tray]

---

@core wrote:

---

@sillykitty1 wrote:
For me the 3% on groceries was secondary to the increased APY on the checking account.  By having a cc and spending $1,000 or more per calendar month, APY on the rewards checking account goes from 3.09% to 5.09%

---

Ooops yes I left that part out.  For anyone else following along, this is only on balances up to $10k though.  And you have to do 12 transactions (I believe) on your Visa card for a total of at least $1k for the top interest tier.  This is in addition to the 12 on your checking account debit card too, if I'm not mistaken.  So you have to buy 24 $0.50 Amazon gift cards each month, which can be a chore.

Back to your app sillykitty, you had to provide REFERENCES?  Are you kidding?  Like actual personal references, where they would get called?  There's no way in heck I'm giving out phone numbers of friends and family to be interrogated just so I can get a credit card.  I suppose I can always buy some throwaway phone numbers and disguise my voice as an old lady.  "Oh yes, he's a sweet young man, and he would never use a card just for the 3% cash back."  Bah.

---

LOL.... in my personal opinion this credit union is very picky and the tatics for obtaining anything is trully out of the ordinary I personally had to go above and beyond to get in with this credit union for savings, checking and credit card only for 4K and what a joke with requesting references the ones I gave no call was never even done for any of them from what I know now this credit union is the least favorite to get in with, even with the high apy given look at all the hurdles you have to go through not worth it.....