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Update ---> First Bank Virginia (UMB) - Proud New Member! (Approved then Closed)

ilove2learn
Member

Update ---> First Bank Virginia (UMB) - Proud New Member! (Approved then Closed)

**UPDATE 5/17/21 - 8 days after the account was open they closed it stating I no longer meet the minimum requirements due to excessive inquiries. Two additional inquiries were added after I submitted this application. UMB spent about 2 weeks reviewing the applications. To add insult to injury the day they closed my account credit karma sent an email stating"A hard inquiry was blocked on 05/07/21 because your TransUnion report is frozen". Thank goodness I keep all my reports frozen!

 

There was no sign-up bonus, the points are difficult to redeem compared to other mainstream cards, and the card services website looks dated, but I didn't learn this until after I got the card. The main benefit was the 2.64% back from shopping at Costco or Walmart, but I have other cards that earn comparable or better rates.

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First Bank Virginia  (card issued by UMB bank)

Simply Rewards Visa

 

Knowing I was outside UMB bank's footprints, I took the advice of members and applied through an affiliate. 

 

Pulled: Transunion

 

When Applied: Inquiries 4th inquiry ( All within one week) for the entire year.

 

Pulled: Transunion

 

No confirmation email indicating application received

 

Requested:

 

  1. Driver license
  2. Utility bill
  3. Rental agreement 

Approved $5,000.00 

Verified by phone call

 

No congratulations email. Smiley Sad

 

Given UMB bank's conservative reputation, I feel privileged to be a part of their family! 

 

Side Note: UMB's staff is friendly & incredibly responsive! Unlike (cough, cough) Barclay's  Smiley Frustrated

 

Credit Goal: Lender Diversity 

Message 1 of 17
16 REPLIES 16
CreditAggie
Senior Contributor

Re: First Bank Virginia (UMB) - Proud New Member!

Congratulations on your UMB approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 2 of 17
M_Smart007
Epic Contributor

Re: First Bank Virginia (UMB) - Proud New Member!

Congratulations on your UMB approval!

Message 3 of 17
AZnotorious
New Contributor

Re: First Bank Virginia (UMB) - Proud New Member!

Congrats on your approval with UMB and nice score line!

Message 4 of 17
ComeBackLady
Established Contributor

Re: First Bank Virginia (UMB) - Proud New Member!


@ilove2learn wrote:

First Bank Virginia  (card issued by UMB bank)

Simply Rewards Visa

 

Knowing I was outside UMB bank's footprints, I took the advice of members and applied through an affiliate. 

 

Pulled: Transunion

 

When Applied: Inquiries 4th inquiry ( All within one week) for the entire year.

 

Pulled: Transunion

 

No confirmation email indicating application received

 

Requested:

 

  1. Driver license
  2. Utility bill
  3. Rental agreement 

Approved $5,000.00 

Verified by phone call

 

No congratulations email. Smiley Sad

 

Given UMB bank's conservative reputation, I feel privileged to be a part of their family! 

 

Side Note: UMB's staff is friendly & incredibly responsive! Unlike (cough, cough) Barclay's  Smiley Frustrated

 

Credit Goal: Lender Diversity 


Congratulations on your UMB approval 🥳🥳🥳 and attaining more towards your Lender Diversity Credit Goal! 👏🏻👏🏻👏🏻

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 5 of 17
Credit4Growth
Valued Contributor

Re: First Bank Virginia (UMB) - Proud New Member!

Congratulations on the First Bank Virginia $5k approval!
|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 6 of 17
tbque
Valued Contributor

Re: First Bank Virginia (UMB) - Proud New Member!

Congrats on the approval!






Message 7 of 17
gdale6
Moderator

Re: First Bank Virginia (UMB) - Proud New Member!

Grats on the approval Smiley Happy

Message 8 of 17
Mr_Mojo_Risin
Senior Contributor

Re: First Bank Virginia (UMB) - Proud New Member!

You gotta great approval there. 5K is pretty smooth! Congratulations 

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 4.5K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 9 of 17
MyFault
Valued Contributor

Re: First Bank Virginia (UMB) - Proud New Member!

Congrats!



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Message 10 of 17
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