80K in Approvals!! 4 different CUs App Spree + CLI

[TG10X]

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@RealEstateGuy89 wrote:

@TG10X Very nice write up and congrats on the new credit cards/CLI's!   You did really well.

I've been checking back because I was interested to hear how things went with Dover credit union.  Did it ever go anywhere?  Thanks for any data points/info regarding Dover.

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Thanks for the feedback!

I ended up with 29K from Dover. I've been in the garden for the past 5 months since then. 

[TG10X]

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@UH_HUH wrote:

It is hard to get 80K in credit that fast in any form, let alone the nice cards and Cli's you obtained. I believe I belong to all of those CU's I live near Delaware and found it easier to go in a branch. I don't belong to NASA. Thanks for sharing a very insping story

best to you

Cheers

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Thank you!

I ended up with 109k in total after Dover was approved. The credit unions have been very beneficial! My NASA application was approved instantly. I'd recommend them if you're interested

[TG10X]

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Thanks for a very helpful response. I am actually a member with SECU of MD for the last 19 months...I became their member and opened checking and saving accounts...was doing a few activities here and there...and then just 9 months ago I received a pre approved offer (not pre-selected one) for one of their credit cards....I responded to that offer but my application got denied for the reason- "esclating debt"...meaning I already have enough credit line in total with other lenders and they believed that it will be risky for them to lend me any amount of money. I appealed their decision to their board but it got denied as well..  I know some people do get this reasoning for the denial but I personally never heard of it prior to when it happened to me..

From OP I just wanted to know if he got this much CL with SECU right out of the gate or after establishing a relationship for a while...In my case building a relationship even for more than a year didnt help...Im still their member and I do use their checking and saving accounts actively...and hoping that one day they might budge to show some love for ME...

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When I first started my relationship with SECU they were generous right out of the gate.
15K CC & 10K PLOC off one inquiry. 

If they're not approving you then maybe you could work on building a better relationship with them like making more deposits & doing direct deposit over time. Being very proactive has helped with other credit unions in my experience.

[CardAddict]

Congratulations on your approvals!

[Janneman]

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@TG10X wrote:

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Thanks for a very helpful response. I am actually a member with SECU of MD for the last 19 months...I became their member and opened checking and saving accounts...was doing a few activities here and there...and then just 9 months ago I received a pre approved offer (not pre-selected one) for one of their credit cards....I responded to that offer but my application got denied for the reason- "esclating debt"...meaning I already have enough credit line in total with other lenders and they believed that it will be risky for them to lend me any amount of money. I appealed their decision to their board but it got denied as well..  I know some people do get this reasoning for the denial but I personally never heard of it prior to when it happened to me..

From OP I just wanted to know if he got this much CL with SECU right out of the gate or after establishing a relationship for a while...In my case building a relationship even for more than a year didnt help...Im still their member and I do use their checking and saving accounts actively...and hoping that one day they might budge to show some love for ME...

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When I first started my relationship with SECU they were generous right out of the gate.
15K CC & 10K PLOC off one inquiry. 

If they're not approving you then maybe you could work on building a better relationship with them like making more deposits & doing direct deposit over time. Being very proactive has helped with other credit unions in my experience.

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Last Friday I got again a pre-approved offer from SECU for one of their credit cards..I responded again and got denial for having too much total available credit...I have over $450k in available credit..7 months ago they sent similar pre approval offer but denied for the same reason...I built a relationship with them all this time..by putting DD and actively using checking and saving accounts....Oh well....