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BECU Visa $20k

SUPERSQUID
Frequent Contributor

Re: BECU Visa $20k


@SPChaser wrote:

Congrats on approval! Jeez these forums will really temp you to do things you've decided you aren't going to do like apply for more cards, esp when you've put the work in and CSs are no longer a handicap 🤣🤣🤣. I keep reading about BECU and I'm now reviewing their site 😎...yeh no I can't do it hahaha...maybe lol. 


I agree,

I was supposed to be gardening until february but i saw a slew of savor approvals and cli's posted and when i saw savor in my prequals i pulled the trigger, 3 hp's OUCH.

I wanted that savor card which i got but now my inq's are outta control.

{ 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 31 of 47
Titans84
Established Contributor

Re: BECU Visa $20k

Congrats on your BECU approval!

Current FICO 8:




Message 32 of 47
KingRue8500
Valued Contributor

Re: BECU Visa $20k

Congrats on your BECU Visa approval




Message 33 of 47
JFox418
New Contributor

Re: BECU Visa $20k

@SouthJamaica congrats! You said your utilization is high, what is it and are you local to BECU? I'm shopping cards to do BT on and they have a great offer but wasn't sure my approval odds. I'm also out of state. Zero BT fee and %0 for 12 months would be amazing especially if I could get a good SL. 

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  Gardening since 8/19

11.18.21 - EX 780 %43 UTIL

Message 34 of 47
SouthJamaica
Super Contributor

Re: BECU Visa $20k


@JFox418 wrote:

@SouthJamaica congrats! You said your utilization is high, what is it and are you local to BECU? I'm shopping cards to do BT on and they have a great offer but wasn't sure my approval odds. I'm also out of state. Zero BT fee and %0 for 12 months would be amazing especially if I could get a good SL. 


Utilization was probably around 33-34% at the time.


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

Message 35 of 47
JFox418
New Contributor

Re: BECU Visa $20k


@SouthJamaica wrote:

@JFox418 wrote:

@SouthJamaica congrats! You said your utilization is high, what is it and are you local to BECU? I'm shopping cards to do BT on and they have a great offer but wasn't sure my approval odds. I'm also out of state. Zero BT fee and %0 for 12 months would be amazing especially if I could get a good SL. 


Utilization was probably around 33-34% at the time.


Hmmm. Are you out of state?

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  Gardening since 8/19

11.18.21 - EX 780 %43 UTIL

Message 36 of 47
SouthJamaica
Super Contributor

Re: BECU Visa $20k


@JFox418 wrote:

@SouthJamaica wrote:

@JFox418 wrote:

@SouthJamaica congrats! You said your utilization is high, what is it and are you local to BECU? I'm shopping cards to do BT on and they have a great offer but wasn't sure my approval odds. I'm also out of state. Zero BT fee and %0 for 12 months would be amazing especially if I could get a good SL. 


Utilization was probably around 33-34% at the time.


Hmmm. Are you out of state?


I don't think it's prudent to discuss our personal geography here.

 

 


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

Message 37 of 47
JFox418
New Contributor

Re: BECU Visa $20k


@SouthJamaica wrote:

@JFox418 wrote:

@SouthJamaica wrote:

@JFox418 wrote:

@SouthJamaica congrats! You said your utilization is high, what is it and are you local to BECU? I'm shopping cards to do BT on and they have a great offer but wasn't sure my approval odds. I'm also out of state. Zero BT fee and %0 for 12 months would be amazing especially if I could get a good SL. 


Utilization was probably around 33-34% at the time.


Hmmm. Are you out of state?


I don't think it's prudent to discuss our personal geography here.

 

 


Seems to play a factor in their decision. Only reason I asked. I apologize. 

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  Gardening since 8/19

11.18.21 - EX 780 %43 UTIL

Message 38 of 47
SouthJamaica
Super Contributor

Re: BECU Visa $20k


@JFox418 wrote:

@SouthJamaica wrote:

@JFox418 wrote:

@SouthJamaica wrote:

@JFox418 wrote:

@SouthJamaica congrats! You said your utilization is high, what is it and are you local to BECU? I'm shopping cards to do BT on and they have a great offer but wasn't sure my approval odds. I'm also out of state. Zero BT fee and %0 for 12 months would be amazing especially if I could get a good SL. 


Utilization was probably around 33-34% at the time.


Hmmm. Are you out of state?


I don't think it's prudent to discuss our personal geography here.

 

 


Seems to play a factor in their decision. Only reason I asked. I apologize. 


No apology necessary.


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

Message 39 of 47
SouthJamaica
Super Contributor

Re: BECU Visa $20k


@Remedios wrote:

@SouthJamaica  congrats on your new card! 

 

I just wanted to say sometimes upon activation of the card, they will request proof of identity along with POI (not always, but it would be typical request). 

They would provide you with a fax number to which you'd send it, and it usually works out just fine, but some patience may be required.

If that happens, and you're willing to provide it, it's a smooth sailing from there. It's a great CU, they aren't afraid to lend, it's just that if there is a deluge from out of state apps, they freak out a bit. 

 

If none of that happens, you're able to activate and use your card, keep in mind HP is valid for 30 days, so if there is another product you're interested in, it would not result in HP. 

 

Congrats again 


Well @Remedios you know these folks well.  Sure enough, just when I thought I'd be getting the card in the mail any day, they hit me up with a request for additional documents, more than 30 pages worth.  I gave them what they asked for. And will continue to hold my breath Smiley Happy


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

Message 40 of 47
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