Well now we all know why you don't have a signature. 🤥🥴😝
@RLFLOWS wrote:2 weeks ago I applied for a credit card with Pacific Service Credit Union, based in Northern California.
My Experian score at the time was 786 with 2% utilization.
Here's the original email from them after applying:
"Congratulations! Your loan request has been approved. We will contact you to finalize the details and may request additional documents. Not a member, not a problem. We’ll establish your membership when we fund the loan. For more information, please call a member service representative at (888) 858-6878 ext. 5287 or email us at loans@pacificservice.org."
So I call the number to finalize the application. These jerks offered me a credit card of $500!
When I asked why the limit is so low, the representative tells me I have too much credit.
I then tell them if that is the case, why even approve me in the first place.
I also told them different credit lines with multiple banks & credit unions is like having too many girlfriends apparently in your eye & told them to withdrawal my application.
I wasted a hard inquiry to be told I'm a credit adulterer lol.
There are certain credit unions which will deny credit because you have too much available credit. To my mind, it's a ridiculous reason, but thanks to your post we can add Pacific Service CU to the list. Fortunately, it's only a small number of credit unions that play that 
In those instances where I was a member and got turned down with that reason given, I closed out my membership. Because I did not aspire to have less available credit, ever.
