Applied for membership about 2 weeks ago instantly approved. Wanted to wait for "pre approved offer" but after reading a ton of threads like usual pulled the trigger. They pulled experian at 696 a lot of HP so I was nervous when I read the "pending" message. When I tell you it took two weeks it took TWO weeks to get a update. I called in about 7 times they must of known my number at that point lol. Finally I got the whole "you must complete a credit course" and POI.... yes I said credit course.. short 15 min watch videos answer risk questions.. I emailed completed cert with POI. And next day approved 5k.. I wanted 10k however they said with all my HP it's hard to override that... I completely understand since I must of had 15+ on EX... some DP I got from their loan officer...
min score they require for signature is 640 and platinum 590! Hope this helps!
