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BCU Cash Rewards approved $6k

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Montparnasse
Established Member

BCU Cash Rewards approved $6k

Like with my Aspiration Zero app last week, I read positive things about BCU from other posters here, but only today did I realize they are local to me. (I live in suburban Cook County, IL) I was a bit wary of taking a HP given how much big banks hate my profile, but decided to give it a go, and was instantly approved for $6k SL, $14.75% APR. Took HP on TU.

 

DPs:

EQ8: 617

TU8: 565

EX8: 594

Income: $270k

TU Inquiries: 5

 

UPDATE: Consumer notice I received from BCU indicates they likely pulled TU F4 mortgage, which was 676 at time of applying. One of my most favorable scores, which explains the easy approval. I also work for a BCU partner employer.



Message 1 of 23
22 REPLIES 22
M_Smart007
Legendary Contributor

Re: BCU Cash Rewards approved $6k

Congrats on the BCU Approval!

Message 2 of 23
CreditAggie
Community Leader
Super Contributor

Re: BCU Cash Rewards approved $6k

Congratulations on your BCU approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (December 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 23
MartyWrite75
Valued Contributor

Re: BCU Cash Rewards approved $6k

Congratulations on your approval! Awesome news!

December 2024: Experian 779; Equifax 779; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,800 (Sock drawer) || Discover It: $13,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $7,500 || Citi Custom Cash: $12,500 || Verizon VS Visa: $15,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 10%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Message 4 of 23
Anonymous
Not applicable

Re: BCU Cash Rewards approved $6k

BCU will grow if you use it responsibly. they do not auto CLI you have to request it but they will give large limits and large LOC's.

 

PS i live in gurnee!

Message 5 of 23
Elpadrino1
Valued Contributor

Re: BCU Cash Rewards approved $6k

Congratulations on your approval!!

Message 6 of 23
Montparnasse
Established Member

Re: BCU Cash Rewards approved $6k


@Anonymous wrote:

BCU will grow if you use it responsibly. they do not auto CLI you have to request it but they will give large limits and large LOC's.

 

PS i live in gurnee!


Good to know!

Evanston here.



Message 7 of 23
Anonymous
Not applicable

Re: BCU Cash Rewards approved $6k


@Montparnasse wrote:

Like with my Aspiration Zero app last week, I read positive things about BCU from other posters here, but only today did I realize they are local to me. (I live in suburban Cook County, IL) I was a bit wary of taking a HP given how much big banks hate my profile, but decided to give it a go, and was instantly approved for $6k SL, $14.75% APR. Took HP on TU.

 

DPs:

EQ8: 617

TU8: 565

EX8: 594

Income: $270k

TU Inquiries: 5


Good job..Congrat...didnt know score doesnt matter to BCU....

Message 8 of 23
gdale6
Moderator Emeritus

Re: BCU Cash Rewards approved $6k

Grats on your BCU cash rewards approval Smiley Happy

Message 9 of 23
Anonymous514
Established Contributor

Re: BCU Cash Rewards approved $6k

Your score does matter do BCU especially if you have negative information they might only give you the launch secured until you establish 1 year of positive payment history. Plus OP states a rather large income than most have so that could also have factored. 




Message 10 of 23
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