How long after joining BECU??

[tussking]

There is no reason to wait once you're approved for membership. 

I will tell you a great tidbit of info. 

Right now opening a CC gives you 12 months no interest on any purchases or on any BT.

Don't go for the lowest APR card but go for the Cash back card because after the 12 months you can switch to the lower APR visa and they will automatically drop you APR by 3%. A supervisor gave me that...

[coldfusion]

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@coldfusion wrote:

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@Shooting-For-800 wrote:

They should just give you a pile of money if you can make it through the membership process without cursing someone out.

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I joined online week before last; typical of a CU after about a day they sent me a request to upload copies of a suitable ID and SS card.  Took them about 30 minutes to finalize the approval once I uploaded copies of my passport and SS card.  No issue setting up and then making ACH pushes from Alliant wasn't a hassle either. 

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I pulled the trigger on the CashBack visa about an hour ago and got an immediate conditional approval (they pulled TU, checked the status right away) pending tinal processing of the master credit agreement.   At least IME they don't appear to be particularly sensitive to inquiries or new accounts.

[cr101]

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@Shooting-For-800 wrote:

They should just give you a pile of money if you can make it through the membership process without cursing someone out.

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Where's my money??? LOL. I didn't qual for their ck acct bc of chexsystems inquiries. I tried finding out their criteria to see when I should apply again and a SUPERVISOR told me that she doesn't know. She said that CHEXsystems tells them whether to decline someone. She said that she couldn't override it. I'm no banking expert, but I just find it hard to believe that a company is just going to let a third party dictate who they do business with. 

[FinStar]

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@cr101 wrote:

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@Shooting-For-800 wrote:

They should just give you a pile of money if you can make it through the membership process without cursing someone out.

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Where's my money??? LOL. I didn't qual for their ck acct bc of chexsystems inquiries. I tried finding out their criteria to see when I should apply again and a SUPERVISOR told me that she doesn't know. She said that CHEXsystems tells them whether to decline someone. She said that she couldn't override it. I'm no banking expert, but I just find it hard to believe that a company is just going to let a third party dictate who they do business with. 

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Unfortunately, just like with other CUs or banks, that's just part of their risk mitigation process.  Some FIs use ChexSystems while others use EWS, for instance. For some banks or CUs it may seem a bit ultra sensitive, but it is what it is. Their rules, though. 

[cr101]

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@FinStar wrote:

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@cr101 wrote:

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@Shooting-For-800 wrote:

They should just give you a pile of money if you can make it through the membership process without cursing someone out.

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Where's my money??? LOL. I didn't qual for their ck acct bc of chexsystems inquiries. I tried finding out their criteria to see when I should apply again and a SUPERVISOR told me that she doesn't know. She said that CHEXsystems tells them whether to decline someone. She said that she couldn't override it. I'm no banking expert, but I just find it hard to believe that a company is just going to let a third party dictate who they do business with. 

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Unfortunately, just like with other CUs or banks, that's just part of their risk mitigation process.  Some FIs use ChexSystems while others use EWS, for instance. For some banks or CUs it may seem a bit ultra sensitive, but it is what it is. Their rules, though. 

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yes, of course. i get the risk mit process. i just didn't like the fact that she tried to play dumb and pretend that she didn't know what the denial reasons meant and tried to put it on chex.