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BCU Cash Rewards + PLOC

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CreditCuriosity
Moderator Emeritus

Re: BCU Cash Rewards + PLOC


@BigBS wrote:

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.


strange they asked for poi again... i would of said dont you have it although not worth mentioning since already had on your computer and just had to reply to email again.. which they had a secure portal as email is a bit weird, but was only a paystub... although ss card was a bit meh for me

Message 31 of 41
BigBS
Senior Contributor

Re: BCU Cash Rewards + PLOC


@CreditCuriosity wrote:

@BigBS wrote:

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.


strange they asked for poi again... i would of said dont you have it although not worth mentioning since already had on your computer and just had to reply to email again.. which they had a secure portal as email is a bit weird, but was only a paystub... although ss card was a bit meh for me


My rep handled it. I didn't have to send again.

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

Message 32 of 41
CreditCuriosity
Moderator Emeritus

Re: BCU Cash Rewards + PLOC

@BigBS was card fedex'ed or something since you already have it?

Message 33 of 41
BigBS
Senior Contributor

Re: BCU Cash Rewards + PLOC


@CreditCuriosity wrote:

@BigBS was card fedex'ed or something since you already have it?


USPS.

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

Message 34 of 41
BigBS
Senior Contributor

Re: BCU Cash Rewards + PLOC


@BigBS wrote:

@CreditCuriosity wrote:

@BigBS was card fedex'ed or something since you already have it?


USPS.


Apologize, it was my BMO card that arrived yesterday. Time to stop applying for stuff.

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

Message 35 of 41
BigBS
Senior Contributor

Re: BCU Cash Rewards + PLOC

For closure, the PLOC showed on my account this morning.

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

Message 36 of 41
CardHunter
Established Contributor

Re: BCU Cash Rewards + PLOC


@BigBS wrote:

@BigBS wrote:

@CreditCuriosity wrote:

@BigBS was card fedex'ed or something since you already have it?


USPS.


Apologize, it was my BMO card that arrived yesterday. Time to stop applying for stuff.


LOL! I know that feeling...

Message 37 of 41
Janneman
Valued Contributor

Re: BCU Cash Rewards + PLOC


@BigBS wrote:

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.


What documents were requested for PLOC which were of 10 pages? Tax returns?? Thanks

Message 38 of 41
BigBS
Senior Contributor

Re: BCU Cash Rewards + PLOC


@Janneman wrote:

@BigBS wrote:

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.


What documents were requested for PLOC which were of 10 pages? Tax returns?? Thanks


@Janneman, the documents that were requested were latest POI. I have several sources of income (salary, retirement pay, rental income) which is why it became 10 pages.

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

Message 39 of 41
Jccflat
Established Contributor

Re: BCU Cash Rewards + PLOC

how do i become a member? what do i join 

also can i include household income ?

Message 40 of 41
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