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 
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 fantastic!
Congrats! I had to look up that Credit Union, even then their own website doesnt say what it stands for
Congrats on approval and very nice SL !!!
Congratulations on the approval and very nice SL!
@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
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.
Congratulations on your approval!
