I Joined BECU about a week or two ago and was hesitant to apply for a credit card yet becaue I have 11 inquiries on my TU and a few new open accounts.
They just updated my FICO score with their system at 800 so I did some research on here and said what the hell lets do it.
Pressed apply, the wheel seemed to spin FOREVER,
.....
Pending...check loan status in 24 hours....
...
Immediatley check loan status....
Conditionally Approved $$25,500
,,, what how could this be....
check the condition just says i need to esign the credit document. I e signed it and it says...
APPLICATION APPROVED!!
unbelievable as my highest personal line is 7K right now!!!
im still thinking this has to be a mistake...
it still says please sign the documentation listed above and fax to the number below. but there is no documentation listed and above that it says "BECU is pleased to inform you that your application has been credit approved. This approval is good for 30 days"
.. any BECU members have any insight on this!!!
****UPDATE - just finished chatting with them for LOC - they used same hard pull and after a series of questions about my property taxes, insurance and job was approved for 15k LOC at lowest rate 10.9%!!!****
Congratulations on your approval!
@Anonymous wrote:
I can vouch for them myself with an approval for the CC and LOC just yesterday myself. Sounds exactly what I saw and went through. Idk if you need it or not but if you want another line of credit for LOC, they would use the same HP. Nonetheless Congratulations my friend!!
I would love a LOC hehe. Would I have to call them to have them use the same Hard Pull or can I just apply online??? Also do you know if they allow you to have 2 credit cards and what the max lines are for their credit cards??
As mentioned above, best to chat or call in to recycle pull. If requested online, system will auto pull.
@Anonymous wrote:
I did mine over the chat(BECU APP) but i believe if you call in it would have the same effect but online will result in another HP from what i read on here.
@AllZero wrote:
As mentioned above, best to chat or call in to recycle pull. If requested online, system will auto pull.
Just used the chat on my app, cool feature never knew it was there
The CSR responded immediately and put me in the queue for the lending department for monday since they are not there over the weekend. Very impressed with the chat feature and CSR so far.
Good luck.
Which card did you get, 1.5% cash back or low APR Visa?
Which card did you get, 1.5% cash back or low APR Visa?