I had
@Janneman wrote:
@Traveler101 wrote:
Since I am off the high of a big amex approval, I'm looking at US bank Altitude connect. After doing much research that they may pull TU in Ohio. Amex has not reported yet to bureau. When they want 1/12 for new accounts, does that apply only for credit cards? I have a new vehicle and a personal loan both within last 6 months. Only 1 scorable inquiry that amounted to the BECU headache with their fraud dept and I told them to withdraw my application. And the personal loan is a 5 year note with 4 months reported and 47٪ paid already. Last opened cc on tu is 2.4 years old. Util is 100.00 and 151,000 TCL. Thanks in advance.
Congrat...For the last 4-5 months, 99% of US bank applications are going for verification process...my two credit cards applications and checking account application...all went for verification.
Can u plz explain this- why do you think BECU as a headache, and what made u to withdrew your application with them, and when this happened?
as for US bank then I do have Altitude Connect card a few months ago...I didnt have any other product with them, but I had 4 new accounts in 12 months when they approved me for this card and even one of their business cards...
Applied in March after insurance company would not cover a flood in my basement. It was a costly fix to say the least. I had applied to BECU for a low interest cc to cover a major expense. It came back with conditional approval 18,500. They wanted docs. That's fine. I sent in 2 years tax returns, 85k a year, a copy of Social Security Card, drivers license, 2 consecutive weeks paystubs. Back and forth it went for weeks in delays. Then they wanted 2 years consecutive paystubs with no gaps. Who keeps paystubs for 2 years? Not me, and not many people I know of. I told them withdraw the app. In that sort of situation you can't sit while they try and make up their minds. So I went to penfed, personal loan, 13k for 5 years at 6.9%. I'm now 5 months into it and penfed is halfway paid off.
