Langley Application

BeingMaryJane · ‎07-30-2020

I have lurked and applied on 7/22. My accounts are funded, but no word on the CC. Are they just behind? Should I call them to nudge or just wait it out?

CreditInspired · ‎08-01-2020

I would call and find out status.

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UH_HUH · ‎08-01-2020

@BeingMaryJane wrote:
I have lurked and applied on 7/22. My accounts are funded, but no word on the CC. Are they just behind? Should I call them to nudge or just wait it out?

I have applied for a CLI on a card from Langley within the last month and it was

an instant approval. They followed up with a call within two hours. That was my expierience

applying for two cards with them about 8 months ago also. They will give you good news right away

usualy. Look for a letter in your snail mail from themi f it is a denial. Or call them as mentioned above.

Either way good luck to you :-)

Cheers

CreditCuriosity · ‎08-01-2020

You can check status online the same way as you apply for a loan/cc through that portal and will say either declined or approved. I have a bad taste in my mouth about not hearing back from them so I know what my answer is on most likely the outcome if you applied during weekday and havent heard anything back from them most likely a denial if weekend then possibly something different. Best of luck

Physh1 · ‎08-02-2020

I had the same issue...I joined about 1.5 months back, funded a savings & checking account, applied for a cc. Nothing as far as a response. I called them after 4 days or so...declined. I was not given a reason but was told I'd get a letter in the mail. Never got one. I took it as they are staffed light during these times.

CreditAngel · ‎08-05-2020

Did you have any luck? I applied on line and was instantly DENIED membership. I called and was told that it was because I had a block on my EQUIFAX report. I was shocked becase I read on here tht they pulled Chexsystems only. However, thats incorrect...membership is HP on your EQUIFAX report. Im glad they couldnt pull my report, Im not prepared to add any HP's. I have 2 only EQ, 0 on Ex and TR. Im interested to know your outcome.

@BeingMaryJane wrote:
I have lurked and applied on 7/22. My accounts are funded, but no word on the CC. Are they just behind? Should I call them to nudge or just wait it out?

cashorcharge · ‎08-05-2020

Interesting @CreditAngel

I joined in the last 30 days and can confirm no HP for my membership. I did not app for any credit

Anonymous · ‎08-05-2020

@CreditAngel wrote:
Did you have any luck? I applied on line and was instantly DENIED membership. I called and was told that it was because I had a block on my EQUIFAX report. I was shocked becase I read on here tht they pulled Chexsystems only. However, thats incorrect...membership is HP on your EQUIFAX report. Im glad they couldnt pull my report, Im not prepared to add any HP's. I have 2 only EQ, 0 on Ex and TR. Im interested to know your outcome.
@BeingMaryJane wrote:
I have lurked and applied on 7/22. My accounts are funded, but no word on the CC. Are they just behind? Should I call them to nudge or just wait it out?

Membership is not a HP, it's a SP, but what people don't seem to understand is when they lock/freeze their reports, it blocks both HPs and SPs.

CreditAngel · ‎08-08-2020

Hi! I decided to callback. Spoke to a really nice lady.....explained there is an EQUIFAX pull. Told me she that would assist because the dont turn ANYONE DOWN..... not even with poor credit (explained all their Credit Rebuilding option). Gave me her ext. and email address and ask if she could call me back (this was Friday). Well, she called back saturday morning told me to email my ID, asked me employmenyt info, address, ssn info, etc.....over the phone. Put me on hold and came back told me to sign the docusign documents within my email and gave me my membership number AND online banking usrrname/password, put me in a credit builder loan program (she obviously saw that my EQUIFAX is at 624), explained to me that I quailifed other offers, as well. I funded the account with $5.00 by giving her my debit card over the phone. I AM NOW A MEMBER OF LANGLEY FCU!!!! The lady was the sweetest.... if anyone experiences issues with membership , I will be happy to share her ext and her email address.

AllZero · ‎08-08-2020

Congratulations on your membership!