Keypoint CU cc app

Anonymous · ‎11-17-2022

Found out sp and pq from here so tried:

You are pre-qualified for an

Vehicle Loan up to $100,000.00.

Select the Auto Loan button below to see available rates and terms.

You are pre-qualified for Credit Card, Line of Credit and Personal Loan up to $14,000.00.

Select one or a combination of these buttons below to see available rates and terms.

This offer expires in 30 days.

I don't believe it lol. Didn't proceed.

P.S. Oh it's 'up to' anyway lol

cashorcharge · ‎11-18-2022

They don't get mentioned offer here but appears like a solid operation from what I've read...

ChargedUp · ‎11-18-2022

@Anonymous wrote:
Found out sp and pq from here so tried:

You are pre-qualified for an
Vehicle Loan up to $100,000.00.
Select the Auto Loan button below to see available rates and terms.

You are pre-qualified for Credit Card, Line of Credit and Personal Loan up to $14,000.00.

Select one or a combination of these buttons below to see available rates and terms.
This offer expires in 30 days.

I don't believe it lol. Didn't proceed.

P.S. Oh it's 'up to' anyway lol

Keypoint CU was legit for me. I did the same pre-qual at the beginning of the year and walked away with a $20K Visa and 2.25% financing on my daughters new Jeep. The loan agent I worked with was amazing and made everything super easy, especially considering I was using a dealership outside their network. Definitely one of the better CU's that I've ever built a relationship with!

Anonymous · ‎11-18-2022

Card design though, ew

Methinks CUs are good for loans, not necessarily CCs(major banks seem to have better reward structure)

ChargedUp · ‎11-18-2022

@Anonymous wrote:
Card design though, ew
Methinks CUs are good for loans, not necessarily CCs(major banks seem to have better reward structure)

Yeah, the KPCU Visa isn't anything to write home about rewards wise, and is one of the last 3 cards I have with the old school raised numbers from the imprinted charge slip days. When it comes down to it though, they've never become nervous and turned a transaction down on me like Chase has done to me a few times. If I do have any issues, I still have my loan agents email and direct number. Good luck getting that from any bank!

hawkins · ‎11-19-2022

Did the application process go smothly? So CUs are very slow with applications and require every document under the sun before approval.

Anonymous · ‎11-19-2022

@hawkins wrote:
Did the application process go smothly? So CUs are very slow with applications and require every document under the sun before approval.

Didn't app, only tried pq and got quotes. As u said, generally CU requires docs(unlike PenFed), so didn't bother.

1GaDawg85 · ‎11-19-2022

@ChargedUp wrote:
@Anonymous wrote:
Found out sp and pq from here so tried:

You are pre-qualified for an
Vehicle Loan up to $100,000.00.
Select the Auto Loan button below to see available rates and terms.

You are pre-qualified for Credit Card, Line of Credit and Personal Loan up to $14,000.00.

Select one or a combination of these buttons below to see available rates and terms.
This offer expires in 30 days.

I don't believe it lol. Didn't proceed.

P.S. Oh it's 'up to' anyway lol
Keypoint CU was legit for me. I did the same pre-qual at the beginning of the year and walked away with a $20K Visa and 2.25% financing on my daughters new Jeep. The loan agent I worked with was amazing and made everything super easy, especially considering I was using a dealership outside their network. Definitely one of the better CU's that I've ever built a relationship with!

What did they require before approval for a credit card?

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

FinStar · ‎11-19-2022

@hawkins wrote:
Did the application process go smothly? So CUs are very slow with applications and require every document under the sun before approval.

Mine did, no issues that I can recall. I remember submitting the CC app first, then once it was approved and Docusign docs were accepted, I went ahead and applied for membership. CC app was a HP on EX btw.

M_Smart007 · ‎11-19-2022

@hawkins wrote:
Did the application process go smothly? So CUs are very slow with applications and require every document under the sun before approval.

Not all CU's are created equal.

Some have been extremely proficient ..

Patelco and Affinity are some that come to mind.

I would say 8-10 CU's I have joined only required ID for membership and a CC.

Having said that, they may have a lot of data stored on me somewhere.?

And it is not LexisNexis ..as that was frozen years back.