BCU approved - Low limit

[RootDet]

Howdy,

I thought i would try my luck with BCU. I got approved for $5,000, which is very low. TU score was 810. UTIL 1% ($7k), 2/12 inq, 3/12  new accounts using days method, 6/12 new accounts by month method. .

I emailed and asked for a review; otherwise, I don't know if I will accept the $5k. It would not fit my spending at all. Probaly should have done it by phone where one gets much better luck it seems. 

[CreditCuriosity]

Least an approval although appears they might be reigning in applications through that organization now by a bit more conservative credit lines.  As mentioned they have plenty of money and give out monster CL's well above 100k for people that need them as no real set limit what they will give, but obviously many factors in that.  I think talking was the right way to go although a few did get 25k from online applications, but appears most people such as myself that got the 35k limit was over the phone as asked only for 25k, but given 35k when got done with POI without asking.   Tempted to go for travel rewards card to see if could land another 35k, but need that like I need a hole in my head as nearing 800k in personal credit currently.  

Good luck on your reconsideration.

[RootDet]

Yea i need the card like a hole in the head too. I was just rounding off from what I lost with blockfi/aspiration closings. 

Seems like I am always late to the party. happened at AOD too. 

[FireMedic1]

Congrats and welcome to the $5000 club.

[Creditwiser]

Congrats on your BCU approval !

[BigBS]

Congrats!

[Janneman]

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@RootDet wrote:

Howdy,

I thought i would try my luck with BCU. I got approved for $5,000, which is very low. TU score was 810. UTIL 1% ($7k), 2/12 inq, 3/12  new accounts using days method, 6/12 new accounts by month method. .

I emailed and asked for a review; otherwise, I don't know if I will accept the $5k. It would not fit my spending at all. Probaly should have done it by phone where one gets much better luck it seems. 

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Read one of my postings on Credit Application section wherein I mentioned exactly same situation of my friend who got the same limit you got despite of having more higher score and she has not applied or obtained any card in one and half year...This is the lowest limit she got in 23 years...She did contact her DR and requested underwriter to review her application for a higher CL but they refused. I think FOTM took over on them now....

[Janneman]

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@RootDet wrote:

Yea i need the card like a hole in the head too. I was just rounding off from what I lost with blockfi/aspiration closings. 

Seems like I am always late to the party. happened at AOD too. 

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That's why I am not applying for this card now because I am late to the party, and now they have lowered CL in most cases like PSCU did from $50k to now $20k max on credit card and $10 on PLOC. 

[bigpoppa09]

Congrats OP

[Jccflat]

i was planing to app also.

did the memebership a few days ago and i was approved instenly ,

was planing go for the visa  soon but don't wanna the 5k all my cards are above 25k 

am i late to the party ? if i do give a try better is on the phone