Andrews FCU Approval

AlpedHuez · ‎01-30-2019

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.

JoeLuvsHisCredit · ‎01-30-2019

SouthJamaica · ‎01-30-2019

@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.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

SEG-fenced credit union Platinum Visa 10500

Comenity AAA Travel Advantage Visa $6200

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 748700 (628200 reporting) FICO 8: EQ 701 TU 717 EX 682

AlpedHuez · ‎01-30-2019

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.

SouthJamaica · ‎01-30-2019

@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 748700 (628200 reporting) FICO 8: EQ 701 TU 717 EX 682

Anonymous · ‎01-30-2019

@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.