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Alliant Visa Signature APPROVAL with some Data Points

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Anonymous
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Alliant Visa Signature APPROVAL with some Data Points

Did not think I would be approved as have a few recent accounts and the income 100k you hear about.  Just called in to check the status as the website was super vague but found out got approved for the Alliant Visa Signature 11.74% @ 15k.  I tried going for this last year and was declined and at the time had a 785 score, tried this past Saturday and they came back saying my Fico was at 807, It went into pending status that day and said it would be reviewed shortly (which I assumed no loan officers on that day so waited till Monday), this morning said it was being reviewed then got a application succesfully competed application closed screen but didnt give any other info on the website almost like it dissapeared, called in and the person on the phone gave me the good news, will say total income without commissions is under slightly under 70k but i didnt include any other this in order to make my life easier.  Have had an alliant checking and savings for about 3-4 years and hardly use it except for an occasional bill payment here or there but nothing major.  I did put on there to give me the Maximum possible as far as what I requested my limit to be.  Hope this can be of help to people on the edge of applying as this will now become my general spend card as my DC is used more or less for the balance transfer offers Citi always sends me.

 

Edit: Also just realized US Bank gave me a $2500 auto increase at a one year mark on my Cash+ card bringing it to 7.5k, generally only have my cell phone and cable bill on it.

Message 1 of 15
14 REPLIES 14
Anonymous
Not applicable

Re: Alliant Visa Signature with a bit of datapoints

Congrats on approval and monster SL !!!!

 

 

Message 2 of 15
Anonymous
Not applicable

Re: Alliant Visa Signature with a bit of datapoints

Thanks buddy! wasn't expecting this approval at all just figured what the heck who knows? It can be userful for sure but not the end of the world either if I dont get it, it will be a great general spend card and in a year ill see what I decide to do with it =)

Message 3 of 15
19eighty5
Senior Contributor

Re: Alliant Visa Signature APPROVAL with some Data Points

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 4 of 15
Pikaboo-icu
Valued Contributor

Re: Alliant Visa Signature APPROVAL with some Data Points

Congrats!!!

 

That's a nice SL and good rate..

 

    AAAthumbup.gif

  


Message 5 of 15
Anonymous
Not applicable

Re: Alliant Visa Signature APPROVAL with some Data Points

Congrats!!!🎊🥂🎉
Message 6 of 15
Anonymous
Not applicable

Re: Alliant Visa Signature APPROVAL with some Data Points

What a blessing
Message 7 of 15
Anonymous
Not applicable

Re: Alliant Visa Signature APPROVAL with some Data Points

Awesome, congrats! Would you mind sharing how many inquiries & new accounts you have in last 6 months & 1 year? I’ve read they are pretty sensitive to that.
Message 8 of 15
CreditCuriosity
Moderator Emeritus

Re: Alliant Visa Signature APPROVAL with some Data Points

 Congrats nice approval.. You have some huge level CC per your signature with your income..  Curious how you got PenFed to 50k at that income level... Also very other nice limit cards as well...  PenFed certainly has tightened up.  also see 25k PLOC so 75 unsecured debt at 70k income?  Sorry a bit off your approval, but curious how?  I make double and can't get them to raise my visa past 35k due to income...Granted I have a 70k auto loan that i owe 50k left on with them, but that is secured debt

Message 9 of 15
Anonymous
Not applicable

Re: Alliant Visa Signature APPROVAL with some Data Points

Congrats on the approval! Smiley Very Happy

Message 10 of 15
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