Hi all,
I was still fuming about the Wells Fargo denial when I "stumbled" upon @Anonymous SECU MD thread and checked out their membership criteria. Soon after, I found myself applying membership, a share savings account. I had to send in a copy of my DL and my savings account was opened. I planned to apply for a few credit products since I saw that they pulled EQ 5 and would use the same pull for 30 days. YAY!!
I applied for the Visa Signature 20k limit and got the " We will be in contact with you with any questions" message. I assumed it was a denial so I hopped back on the forums to see if anyone else got this message. I called the number listed on the message and was put on hold FOREVER....I called back and left a message for someone to call me back. One MyFico member had gotten the same message, and others suggested that they lower the requested limit and keep trying. I tried and tried...got the same message for 15k, 10k, 5k and 1k.
A few hours later, they called to tell me I was pre-approved with a 20k CL @ 11.49%. The rep said that my savings deposit hadn't gone through yet (might take 2-3 days) but she would send me e-sign paper work via secure message and my card would be sent as soon as my membership was straightened out. She also said that another rep had already cancelled the other 5 applications lol.
My question is: Am I approved or not? I don't think it was a HP yet....I don't want my Navy Federal Platinum to report before they pull my credit.
012019 Fico8/Mortgage Score: 
If all that is needed to secure the CC is membership. Then you should be fine. As long as your membership is accepted. The security department that handles it can be a bit overzealous.
They can make things much more complicated. But don't give up if they do. Are you in Maryland or out of state?
You may have to download the application and mail in your information along with a check or money order to open the membership.
@Gmood1 I am out of state (DE), I qualified via UMGC. I thought the membership was opened already since I can access my savings account, via online banking. But she said she would send me the pre-approval via secure message and I haven't received it...I hope you are right. This would make all of my foolishness last weekend worth it. Especially if I can luck up with a PLOC as well. I will keep you all posted.
@newmomnewme wrote:@Gmood1 I am out of state (DE), I qualified via UMGC. I thought the membership was opened already since I can access my savings account, via online banking. But she said she would send me the pre-approval via secure message and I haven't received it...I hope you are right. This would make all of my foolishness last weekend worth it. Especially if I can luck up with a PLOC as well. I will keep you all posted.
Ok, I gotcha. Did you get a call from a loan officer? Is that who told you she'd send the pre-approval?
They normally call and verify your identity and asked a few questions.
The loan department is based out of Colorado.
Keeping my fingers crossed for you.🤞
Thank you for sharing. I will be looking to drop in an app with them in the next few months.
@Gmood1 Yes, loan officer called verified my name, address, DOB, said I was approved and she was going to send me a secure message with some pages to sign. I received nada yesterday...and I still havent gotten an alert for a HP!
Do I call them back or wait?
@CreditCuriosity Thanks so much. Now I'll know what to expect moving forward. When I checked this am the savings balance was 0 with my deposit pending. So maybe after the weekend. I'll post when I move along in the process. Still no HP though. Maybe after it's approved I'm guessing.
@CreditCuriosity @Right again...I guess I don't get EQ alerts anymore. Chase and Cap1 alert me instantly when TU or EX are pulled.