@CreditCuriosity wrote:
@macinjosh wrote:
@macinjosh wrote:
@CreditCuriosity wrote:
@macinjosh wrote:
@CreditCuriosity wrote:Not sure of your income but 122k TCL they will entertain depending on your scores/income. You might have a shot depending as your file looks good otherwise being cards/limits. First thing I looked at was your total available credit
. Been several years since applkied but believe it was an experian HP if not mistaken as well
@CreditCuriosity, income is $45k yr.
I would probably hold off to be honest if I were you. The usually dont like alot of credit being excess of > 200kish and usually they don't like your credit > income in your case you have about 3 times amount of credit than income so another strike against you on a very very conservative CU. Their UW can always change, but havent seen any recent dp's of it and at least one or two declines recently with pre-approvals.
Thank you. I guess I will hold off for now.
Wow, they are surprisingly persistent. I filled out the application the other night before I posted in here and then just hit save application, and now earlier this afternoon, they sent me an email from a consumer lending sales rep.
"
Hi macinjosh,
Thank you for your inquiry regarding our Choice Rewards World MasterCard, I hope you and your loved ones are taking care and staying safe. If you do have any questions in regards to the application, I would be happy to assist. You can reach me directly via email or phone, and if you have any other financial needs I am happy to review options that may benefit you.
Have a great day!
Sales Rep's Name
Consumer Lending Sales Rep II
First Tech Federal Credit Union
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Yes sales rep != UW though when they see application. Just a HP; but I think it would yield a denial, but if you want to be a GP for the forum we always welcome data points.
I'll think it over for the weekend. Not going to jump on it too fast.
Well, I did jump on it in an attempt to get the card. They asked for POI, with no link to upload, and they never sent a link even in my email. Did that early early on Monday morning. By that evening, it turned to a flat rejection. My guess is they reviewed it and most likely rejected for too much available credit. We will find out soon enough. I still have to update my spade, but I'm another data point in First Tech.
