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BECU Visa $20k

SouthJamaica
Super Contributor

BECU Visa $20k

I haven't been approved for any new credit for quite a while, presumably because my utilization is high.

 

I joined BECU the other day, but wasn't planning to apply for any credit until my scores were up and my utilization down.

 

After reading some posts here, with people getting Visa card approvals with TU scores lower than mine, I decided I might give it a shot.  I figured if asked what credit limit I would like, I would go for a low number so as not to scare them off.

 

The online application was shorter than average, and didn't ask me for a requested starting limit.

 

I submitted it, and after maybe 30 seconds it came back instantly approved for......  $20k.  I was shocked.  And even skeptical. I won't really believe it until I see the account up there.

 

I guess where the $20k comes from is that that's around my average reported credit limit.  I guess BECU is really going all out to be competitive.  If this is for real, I'll be a very good customer.

 

 

 

 


Total revolving limits 698000 (605000 reporting) FICO 8: EQ 721 TU 742 EX 715

Message 1 of 47
46 REPLIES 46
SUPERSQUID
Frequent Contributor

Re: BECU Visa $20k

CONGRATS !!!!!

Do mind sharing your scores at time of app?

{ BK7 DC 12/2019 } target 500/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050 /big lots 750/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 1800/ cap 1 savor one 3k /fingerhut 1950/ comenity rewards mc 1k
Message 2 of 47
Crowhelm
Frequent Contributor

Re: BECU Visa $20k

Congrats on that great approval. Amazing how our more local credit union is getting quite a good rep here. They are fantastic to work with that I can say for sure. And I know we could get a much higher credit limit as well but at this point, I can't get myself to do it because we may be running $250 through the card now when it used to be 3 to 5k a month. I guess I should consider it for utilization padding. Not that comfortable with that approach yet. Always was taught only to ask for what you think you will need and not more.


Message 3 of 47
SouthJamaica
Super Contributor

Re: BECU Visa $20k


@SUPERSQUID wrote:

CONGRATS !!!!!

Do mind sharing your scores at time of app?


TU FICO 8 in neighborhood of 740.


Total revolving limits 698000 (605000 reporting) FICO 8: EQ 721 TU 742 EX 715

Message 4 of 47
Crowhelm
Frequent Contributor

Re: BECU Visa $20k


@SouthJamaica wrote:

@SUPERSQUID wrote:

CONGRATS !!!!!

Do mind sharing your scores at time of app?


TU FICO 8 in neighborhood of 740.


lol, that does make me curious, because I am at 792, my wife is actually 804 with TU Fico 8. Maybe I should ask for a CLI. By the way, did you apply for the cashback or the regular visa?


Message 5 of 47
Rebuild2019
Valued Contributor

Re: BECU Visa $20k

Congratulations 🎊🎈🎉 on your approval and SL.

CARDS: Discover It | QuickSilver One | Kohl’s | BBT Spectrum Cash Rewards | BBT Bright | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 6 of 47
M_Smart007
Epic Contributor

Re: BECU Visa $20k

@ SJ Congratulations on your BECU approval

Message 7 of 47
Trini88
Frequent Contributor

Re: BECU Visa $20k

Congratulations!!!!🥳🎉



Message 8 of 47
SouthJamaica
Super Contributor

Re: BECU Visa $20k


@Crowhelm wrote:

@SouthJamaica wrote:

@SUPERSQUID wrote:

CONGRATS !!!!!

Do mind sharing your scores at time of app?


TU FICO 8 in neighborhood of 740.


lol, that does make me curious, because I am at 792, my wife is actually 804 with TU Fico 8. Maybe I should ask for a CLI. By the way, did you apply for the cashback or the regular visa?


1. Lots of folks seem to be reporting CLI's from BECU the last few days, even auto CLI's, so yes this would be a good time to go for it.

 

2. I went for the low interest, non-rewards card.  I don't really have use for any more rewards cards. I already have too many considering how little I spend.

 

 


Total revolving limits 698000 (605000 reporting) FICO 8: EQ 721 TU 742 EX 715

Message 9 of 47
cashorcharge
Senior Contributor

Re: BECU Visa $20k

That's terrific!! Congratulations on your BECU Membership & Approval!! 🥂🎉👏🏻

Message 10 of 47
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