@CreditCuriosity wrote:Just a heads up talked with them today and my account had a notation that i might not be eligible as they are not seeing me in the organization that we all used to get membership.. I sent him a screen shot to his email and he was going to get it resolved. I asked him to please take care of that prior to me applying for any CC's etc. and asked him to give me a call after before I waste a HP to possibly have something yanked. He wasn't to worried about it as the program is new, etc. Just be prepared and has your person look at if you are flagged like I was. My account isn't suspended or anything, but just don't want to deal with it in the future so he hopefully will clear it up for me. He basically said you sound educated etc so you aren't going to defraud us etc., but let me go ahead and get this addressed.
Thanks for that information. There have been a couple of times that they mentioned my affiliation, so I assumed everything was okay. Hasn't stopped the approvals and got an e-mail that the CC is on its way. Agree that it would not be fun to deal with later.
@TheFIGuy wrote:
@CreditCuriosity wrote:Just a heads up talked with them today and my account had a notation that i might not be eligible as they are not seeing me in the organization that we all used to get membership.. I sent him a screen shot to his email and he was going to get it resolved. I asked him to please take care of that prior to me applying for any CC's etc. and asked him to give me a call after before I waste a HP to possibly have something yanked. He wasn't to worried about it as the program is new, etc. Just be prepared and has your person look at if you are flagged like I was. My account isn't suspended or anything, but just don't want to deal with it in the future so he hopefully will clear it up for me. He basically said you sound educated etc so you aren't going to defraud us etc., but let me go ahead and get this addressed.
Adding my Timelines + Data Points (DPs):
- Unfroze TU waited 15min
- Unfroze CHEX waited 15min
- Applied 06/13/23
- Applied for PowerPlus Checking, Regular Savings, Rainy Day Savings
- Declined Overdraft Protection
- Pre-qualified for Travel Rewards Credit Card at the bottom on the last screen stating, “Thanks for setting up your accounts.”
- I received an email about Dedicated Representative (DR)
- I emailed Dedicated Representatives (DR) today to get the ball rolling
- Spoke with DR about the account, and they answered all my questions. Asked about the “New Accounts” team and lockouts, they confirmed something similar to you @CreditCuriosity. I preemptively supplied an email with a membership confirmation to LMY today and await confirmation from (DR) before I apply for an Auto Loan and Credit Card.
- As of today, 06/14/23, Wed. 1600 PST, I can still access my account via mobile and website.
I joined last night i can still log into the account so far so good.
So, BCU sent a request for POI for the PLOC on Wednesday. I gathered all of my documents and scanned them into a single .pdf document (about 10 pages), uploaded to their secured site and that all was good. Received a notification that I needed to resubmit because the reader showed they were not the original documents (a scan of a .pdf does not count). Uploaded each document individually yesterday (Thursday) and just finished the docusign and talked with my rep to confirm the terms and approval, $30K and 10% Variable APR. Expect to see it in my account tomorrow.
Received my Cash Rewards VS card and debit card yesterday with everything showing on my account, as well.
As a final move, decided to apply for the Travel Rewards VS card since I truly had nothing to lose and was approved for $25K at 16.74%. UW also asked for POI which was provided and that account is also showing up for me. What a week with BCU! $80K with one HP and great customer service. Hope it stays that way.