How long after joining BECU??

[confuzed]

How long after joining did you wait to apply for credit card?

[M_Smart007]

---

@confuzed wrote:

How long after joining did you wait to apply for credit card?

---

You can apply as soon as you become a member.

[coldfusion]

---

@M_Smart007 wrote:

---

@confuzed wrote:

How long after joining did you wait to apply for credit card?

---

You can apply as soon as you become a member.

---

What I think the OP is asking is if there is any inherent benefit to waiting for some period of time to apply (for example, 6 months) vs. applying right after approval for membership.

[M_Smart007]

---

@coldfusion wrote:

---

@M_Smart007 wrote:

---

@confuzed wrote:

How long after joining did you wait to apply for credit card?

---

You can apply as soon as you become a member.

---

What I think the OP is asking is if there is any inherent benefit to waiting for some period of time to apply (for example, 6 months) vs. applying right after approval for membership.

---

Maybe OP can Clarify?

[Shooting-For-800]

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

[M_Smart007]

---

@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.

---

lol

[confuzed]

Sorry let me clarify my question. I was wondering if there is a benefit to waiting a certain amount of time after becoming a member that boost your odds of being approved.

[M_Smart007]

---

@confuzed wrote:

Sorry let me clarify my question. I was wondering if there is a benefit to waiting a certain amount of time after becoming a member that boost your odds of being approved.

---

I don't know if there are enough data points on waiting, it seems most app right away.

I think as long as your scores are decent and no serious baddies/lates/derogs .. it probably does not make a whole lot of difference.

They don't seem to be Inquiry sensitive.

[coldfusion]

---

@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.

---

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. 

[crys12065]

---

@confuzed wrote:

Sorry let me clarify my question. I was wondering if there is a benefit to waiting a certain amount of time after becoming a member that boost your odds of being approved.

---

I only waited a week just to see if the account would be flagged for out of state as there are some horror stories on here about that. When nothing was frozen I then apped for the low rate Visa and was approved for $10K @ 10.4%.  I have a ton of inquiries and new accounts in the last year so they don't seem to be sensitive to that.

I am very pleased with them as CU so far.