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App before vacation for Xcel FCU - $10,000 @ 11.49% APR

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bizarrocreditworld
Valued Contributor

App before vacation for Xcel FCU - $10,000 @ 11.49% APR

(Alternative title: I am among the worst gardeners out there!)

 

Hello everyone,

 

I joined Xcel FCU through the ACC before I left for my vacation. I apped for their Visa Credit Card on Monday knowing they were not inquiry or new account sensitive.

 

They came back on Tuesday looking for my ID and POI. I sent that Tuesday night from Boston via my laptop. Thursday, they confirmed a $10,000 SL @ 11.49 % APR. They pull EX 09, which in my case is now at 769. 

 

Meanwhile, I had gotten a preapproval via Email from Langley FCU for their Cash Back Visa, which another ACC membership. I will sign up and confirm this week. They pull EQ 08, which is at 722 right now. 

 

Tell me, how can I garden when the last four cards I have gotten have been for at least $10,000 with good APRs despite the total number of inquiries?

No credit news is good credit news!
Message 1 of 15
14 REPLIES 14
credit_is_crack
Valued Contributor

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR

Nice Approval and solid win on the APR! I might have to check them out..even though I shouldn’t be checking anything out lol someone is gonna have to chain me to my garden. Congrats!
Message 2 of 15
Gmood1
Super Contributor

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR

Very nice approval. I've been a member for several years. In the process of closing them out now.
Be for warned crackman they are conservative and the customer service is not the best. I've found better APY checking elsewhere, so I'm moving on.
Message 3 of 15
Anonymous
Not applicable

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR

Congrats!!! Very nice approval!!!Smiley Very Happy

Message 4 of 15
Meanmchine
Super Contributor

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR

Garden for six months and maybe you'll get $15,000+ SLs  Smiley Wink

 

Congrats !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 5 of 15
credit_is_crack
Valued Contributor

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR

@Gmood, noted lol yeah conservative and my active file don’t mix well. Putting it on the shelf for now haha
Message 6 of 15
bizarrocreditworld
Valued Contributor

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR


@Meanmchine wrote:

Garden for six months and maybe you'll get $15,000+ SLs  Smiley Wink

 

Congrats !


Two $10,000 (Xcel Visa and Playstation Visa), a $15,000 (NFCU Cash Rewards) and a $18,600 Visa (Transportation FCU). Maybe the six months can yield a couple of $20,000+ SLs. Smiley Wink

No credit news is good credit news!
Message 7 of 15
Anonymous
Not applicable

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR


@Gmood1 wrote:
Very nice approval. I've been a member for several years. In the process of closing them out now ...

He named two CU -- which one don't you like?

Message 8 of 15
pizza1
Community Leader
Super Contributor

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR

Ive never heard of them before! Much Congrats to you on an awesome approval!
Message 9 of 15
Gmood1
Super Contributor

Re: App before vacation for Xcel FCU - $10,000 @ 11.49% APR

Xcel FCU, they are OK. Service is not great though.


@Anonymous wrote:

@Gmood1 wrote:
Very nice approval. I've been a member for several years. In the process of closing them out now ...

He named two CU -- which one don't you like?


 

Message 10 of 15
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