Valor Credit Union Credit Card

Creditaddict · ‎01-08-2015

Use to be Tobyhanna... applied for credit card and it went to review :/

Anonymous · ‎01-08-2015

@Creditaddict wrote:
Use to be Tobyhanna... applied for credit card and it went to review :/

Surprised you haven't been AA for all the CC you apply for.

TRC_WA · ‎01-08-2015

@Anonymous wrote:
@Creditaddict wrote:
Use to be Tobyhanna... applied for credit card and it went to review :/
Surprised you haven't been AA for all the CC you apply for.

It's only 67 accounts with like 30 INQ's...

I see no reason for any AA concerns.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Creditaddict · ‎01-08-2015

@TRC_WA wrote:
@Anonymous wrote:
@Creditaddict wrote:
Use to be Tobyhanna... applied for credit card and it went to review :/
Surprised you haven't been AA for all the CC you apply for.
It's only 67 accounts with like 30 INQ's...

I see no reason for any AA concerns.

not TU... they are all on EX!

Anonymous · ‎01-08-2015

@Creditaddict wrote:
@TRC_WA wrote:
@Anonymous wrote:
@Creditaddict wrote:
Use to be Tobyhanna... applied for credit card and it went to review :/
Surprised you haven't been AA for all the CC you apply for.
It's only 67 accounts with like 30 INQ's...

I see no reason for any AA concerns.
not TU... they are all on EX!

I see....I commend you on your methods.

Anonymous · ‎01-08-2015

@Creditaddict wrote:
Use to be Tobyhanna... applied for credit card and it went to review :/

BTW, thanks for mentioniong Tobyhanna in some other post. I joined last week

This was exactly the kind of CU I was looking for.

Good luck on the review, I haven't pulled the trigger on an app yet, too many new accounts right now.

B335is · ‎01-08-2015

CA did you apply for membership first or just go for the card?

Creditaddict · ‎01-09-2015

@B335is wrote:
CA did you apply for membership first or just go for the card?

I had joined like 6 or so months ago but wasn't approved for anything back then so thought I would try again.

1GaDawg85 · ‎01-09-2015

I wonder what they say if I append for membership....

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

Creditaddict · ‎01-09-2015

and DECLINE