Wow! Congrats on the 3peat! I may take a look at BECU, myself.
@M_Smart007 wrote:Congrats..
FYI, they can go to $50K with the right profile
Good to know! And good to have goals. Thanks!
@CH-7-Mission-Accomplished wrote:
@Singledadof3 wrote:I joined BECU in January with a checking and savings account and a week later was approved for their Low Interest Visa with a $2,500 limit.
Two days ago I applied for the Cash Back Visa and was immediately approved with a $10,000 limit! Woohoo! I got an email from them the next day (yesterday) to give them a call.
I called this morning and chatted with an awesome rep. After a couple verifying questions, he said that indeed the credit card was approved and actually already in the system and that I should get it in the mail next week.
Then he must've been looking through my report and noticed a personal loan from a company known to have pretty high interest rates and suggested that he could probably get me a better rate with the same hard pull. I was planning on paying the personal loan off this fall anyway, but I said sure, let's see what we can do. He got me a $12,000 personal loan with 10% interest rate. A full 21% less than my current loan with a full year shorter term! Dropped the monthly payment over a hundred bucks a month.
Already overjoyed, before ending the call I asked about a consumer line of credit. He explained how it worked and that they offer up to 10k. I asked for 5K and was approved.
I've never experienced such amazing customer service. He was so helpful and great to work with. I mentioned this to him and he said that they're just there to help their members.
The E documents were in my email within 15 minutes and the funds in my account within half an hour.
One hard pull:
10k Cash back card
12k Personal loan
5k CLOC
Pulled Transunion - 704
30 Inqs. 20/24 new accounts (including a new truck, haven't posted about that yet)
Have run about 80k in direct deposits since opening in January
Many thanks to all of you wonderful people here for the guidance through my rebuild!
Congrats!
BECU has been my "bank" for the last 12 years and I love them. I am curious how you got all the approvals with just one credit pull. Did you do them all on the phone with a CSR? I've applied for more than one thing at a time online and go hit with multiple TU HPs. Thanks.
Yep! The original application for the credit card was online. But then I called in and talked with a "Member Lending Specialist." He was the one who suggested the personal loan and when that was done, I asked him about the CLOC. The whole thing lasted maybe 20 minutes.
Man that is phenomenal! That's a good news day all the way around lol. Congrats to you!! 🎉🎉🎉
Starting Score: 570
