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Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

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Frequent Contributor

Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

Greetings!! So I've been gardening for a year in preparation for new home purchase. Had to sell my property first! Anyway, I closed first week October. Waited 3 days and Applied in order: US Bank Platinum (3 day approval $9,000)....Citi Rewards+ MC ($16,800 Instant!!)...Langley Visa Select (8.75% $15K instant) Citi/Langley EQ Pull 743 Fico 9 757 12-13 Inqs 3< 12 mos Mortgage shopping... US Bank TU pull 727 F8 21Inqs 3<12mos Mortgage shopping.

I laid the ground work with US Bank last year opening a checking account transfereing $ each month for small bills. Same with Langley (savings acct). Income $127K 3% UTI

Anything else feel free to askSmiley Happy




Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
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23 REPLIES 23
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Super Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

Congratulations on your approvals!
Message 2 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

congratulations_letter-173559932-5c432fc646e0fb0001eeb190.jpg

Amex Blue Cash $28k
Chase FU $11.2k
BOA Cash Rewards $20k
Comenity BJ's Perks Plus M/C $10k
Cap1 QS $750 (AU), BOA Auto
March. 2020 TU 781, EX 775, EQ 776
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
Message 3 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

Congratulations on all those approvals!

I've just activated (like literally, 20 minutes ago) my Langley cash back card. They're a great CU with outstanding customer service!

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Established Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

This is AWESOME! Congratulations!
October 2020: Experian 687 Equifax 683 Transunion 698


Cards I Have:
Cap One QS: $600
Cap One QS1: $2,600
Discover It: $2,900
Cap One Walmart: $600
AMEX BCE: $1,000
Amazon Prime Store Card: $2,000
Overstock Store Card: $1,550

Wishlist Cards:
Citi Double Cash
Paypal Mastercard
Discover Cash Back
Cap One Savor


Gardening until January 2021

Message 5 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

Thanks a lot! Back to the garden 6mos.



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 6 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

From everything I've read I knew I wanted a relationship with them so I patiently waited for a FULL YEAR after membership. LOL!!



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 7 of 24
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Super Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

Congrats!

 

That Langley card is nice -- they are one of those lenders who told me no which just made me more interested in it lol. 




Message 8 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

So that's your white whale!! Lol



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 9 of 24
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Regular Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

Congrats.....Can you share memebership process for Langley CU?...Hard pull, chex?

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