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10K Visa Approval Local Credit Union

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wit2bees
Contributor

10K Visa Approval Local Credit Union

I received a preapproval flyer in the mail from a credit union that I am not a member of.   Actually, I never even heard of it Smiley Happy I filled out the online app which was very simple and it asked what limit I was seeking.... I put $10,000 to match my NFCU Amex.  About an hour later I received an approval for $10,000 and three products to choose from, I chose the one with no perks but the lowest APR.   I can honestly say I was surprised.  I have a boat load of inquiries and a ton of cards.  My utilization is low about 14% overall and only one card over 30% that I am an authorized user on to handle a family business.  

 

Fico 8 scores

634 Equifax

707 Transunion

694 Experian

 

BTW the process to opening the membership was super fast all done with Edocs and the bank deposited the $5.00 because of my approval.   Sounds like LAFCU of Michigan is looking to expand their lending!!!!!

 

Few addtional Data points.....

 

I had 3 cards with NFCU but the Visa remained at the original CL so I closed it a couple days ago.  I still have a MC 400/4500 and Amex 2000/10000.  I have a wide range of  major cards including Discover, AMEX Delta Gold personal and business, and AMEX Hilton, USAA, Capital One (Sparks, Platinum and Venture) Best Buy, Pay Pal.  About 20 store cards (mostly 0 utilzation).   On the chopping block is Credit One, Merrick, and Mercury.   They are all at about 0% but will account for about 8500.00 out the window.  

 

Yay ME!




TU 699 EQ 741 EX 767
- total CL = ?
- AAOA = 2.5 years
- Utilization = 9%
- Inquiries = TOOOOOOO MANY
- 50 accounts:
Updated 12/ 29 / 2021
Message 1 of 11
10 REPLIES 10
Remedios
Credit Mentor

Re: 10K Visa Approval Local Credit Union

Congrats 

Message 2 of 11
Anonymous
Not applicable

Re: 10K Visa Approval Local Credit Union

Congratulations! That's fantastic!

 

picard-congrats-200w_d.gif

Message 3 of 11
pinkandgrey
Senior Contributor

Re: 10K Visa Approval Local Credit Union

Lucky you! Congrats!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 4 of 11
simplynoir
Community Leader
Mega Contributor

Re: 10K Visa Approval Local Credit Union

Congratulations on your approval!

Message 5 of 11
AverageJoesCredit
Legendary Contributor

Re: 10K Visa Approval Local Credit Union

Congrats! I had to look up that Credit Union, even then their own website doesnt say what it stands forSmiley Wink
Message 6 of 11
Anonymous
Not applicable

Re: 10K Visa Approval Local Credit Union

Congrats on approval and very nice SL !!!

 

Message 7 of 11
Vu
Frequent Contributor

Re: 10K Visa Approval Local Credit Union

Congratulations on the approval and very nice SL!



Message 8 of 11
SouthJamaica
Mega Contributor

Re: 10K Visa Approval Local Credit Union


@wit2bees wrote:

I received a preapproval flyer in the mail from a credit union that I am not a member of.   Actually, I never even heard of it Smiley Happy I filled out the online app which was very simple and it asked what limit I was seeking.... I put $10,000 to match my NFCU Amex.  About an hour later I received an approval for $10,000 and three products to choose from, I chose the one with no perks but the lowest APR.   I can honestly say I was surprised.  I have a boat load of inquiries and a ton of cards.  My utilization is low about 14% overall and only one card over 30% that I am an authorized user on to handle a family business.  

 

Fico 8 scores

634 Equifax

707 Transunion

694 Experian

 

BTW the process to opening the membership was super fast all done with Edocs and the bank deposited the $5.00 because of my approval.   Sounds like LAFCU of Michigan is looking to expand their lending!!!!!

 

Few addtional Data points.....

 

I had 3 cards with NFCU but the Visa remained at the original CL so I closed it a couple days ago.  I still have a MC 400/4500 and Amex 2000/10000.  I have a wide range of  major cards including Discover, AMEX Delta Gold personal and business, and AMEX Hilton, USAA, Capital One (Sparks, Platinum and Venture) Best Buy, Pay Pal.  About 20 store cards (mostly 0 utilzation).   On the chopping block is Credit One, Merrick, and Mercury.   They are all at about 0% but will account for about 8500.00 out the window.  

 

Yay ME!


Congratulations! That's just the kind of card I love.


Total revolving limits 710800 (590300 reporting) FICO 8: EQ 712 TU 710 EX 710

Message 9 of 11
19eighty5
Senior Contributor

Re: 10K Visa Approval Local Credit Union

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 10 of 11
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