Greetings MFers,
Now that I'm done with surgery, big spend dental work is coming up. I was going to just use my BofA CashRewards since I'm 0% until Julyish, but my local CU flashed a promo at me while I was logging in to pay my bills the other day, and I'm a sucker. 12mos at 0% + $100 (points, whatever) for $1000 spend in 90d. You get a bigger bonus for $50,000 spend in a year, but if I have that much non-cat spend, I have bigger issues.
I called to see if they would expedite the card (it was a deal breaker if I didn't get it before next week's appt), and they said that they can make a card at their headquarters if I applied in person.
So I did. Only, their card maker is broken - but have no fear, they think I'll get my contactless one in time, and if I don't, they'll make me a temporary the day before my appt - they are down the street from the dentist, but my appt is 7A.
I applied in person, thought about bringing my POI in, but didn't (I have chequing, savings, and my auto loan through them - they've always been good to me) and hoped for the best.
DPs:
HP - Equifax (they use Equifax data, but the Experian Fast Start score - my F8 is 809, not sure about the Ex/FS score)
My last HP was 3/19 from the same bank for Butterface's auto-loan.
Accounts: 1/3 2/6 4/12 8/24
AAOA: 297mo, AoAA 49m, AoYA 3m
Everything goes to manual review, so I just sat there and waited (much like my autoloan), took ~10 minutes, guy apologized for it taking so long, and they did ask if I had POI on me, I did not, so they capped my SL at 10k.
0% for balance transfers & new purchases for 12 months, 12.15% after that. Balance transfer is 1.5%, which isn't too bad, really (though I'm not interested).
Due to COVID, they have restricted hours (1-4), so I left early. When I told my boss I was going to the bank to get another credit card, the reaction was funny (and then she wanted to know if she should ask USAA for an interest reduction - hers is great, so I said to leave it be - she PIFs anyway).
And I've been REALLY happy with this CU. They don't have the greatest credit products, but they've been fan-freakin-tastic to work with. I wish I'd looked into them for a secured card when I needed it, because they do offer one (Secured, regular Plat, and then the Signature are their only three CCs).
Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
