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Andrews FCU Approval

AlpedHuez
Contributor

Andrews FCU Approval

Doesn't seem to be many topics about applying for products with this CU. Approved $10k for Titanium Visa. I was a little miffed they pulled twice (EX & TU). Scores in low 800s, few inqs on both. I think they live up to the reputation of being conservative in my experience (pulling CRs twice). They mentioned CLIs are also HPs and liked to see 6-12 months of responsible credit usage before one should request a CLI.

Message 1 of 7
6 REPLIES 6
JoeLuvsHisCredit
Valued Contributor

Re: Andrews FCU Approval

congrats.gif

Message 2 of 7
SouthJamaica
Super Contributor

Re: Andrews FCU Approval


@AlpedHuez wrote:

Doesn't seem to be many topics about applying for products with this CU. Approved $10k for Titanium Visa. I was a little miffed they pulled twice (EX & TU). Scores in low 800s, few inqs on both. I think they live up to the reputation of being conservative in my experience (pulling CRs twice). They mentioned CLIs are also HPs and liked to see 6-12 months of responsible credit usage before one should request a CLI.


My experience with them was that their credit card application was much longer, more complicated, and more intrusive than normal credit card applications. So I didn't bother finishing it, and closed my account.

 

 


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 747 EX 713

Message 3 of 7
AlpedHuez
Contributor

Re: Andrews FCU Approval

That's different from what I observed, it was a relatively straightforward form filling experience. It would've been nice if they had some kind of application status tracker of some sort.

Message 4 of 7
SouthJamaica
Super Contributor

Re: Andrews FCU Approval


@AlpedHuez wrote:

That's different from what I observed, it was a relatively straightforward form filling experience. It would've been nice if they had some kind of application status tracker of some sort.


Maybe they've changed. It was 2 or 3 years ago.


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 747 EX 713

Message 5 of 7
James_A
Senior Contributor

Re: Andrews FCU Approval


@AlpedHuez wrote:

Doesn't seem to be many topics about applying for products with this CU. Approved $10k for Titanium Visa. I was a little miffed they pulled twice (EX & TU). Scores in low 800s, few inqs on both. I think they live up to the reputation of being conservative in my experience (pulling CRs twice). They mentioned CLIs are also HPs and liked to see 6-12 months of responsible credit usage before one should request a CLI.


Thanks for the solid intel, AH. And Congratulations! on your approval.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


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Message 6 of 7
19eighty5
Senior Contributor

Re: Andrews FCU Approval

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 7 of 7
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