Chartway Federal Credit Union Signature Rewards Approval

[Anonymous]

I'm glad I'm spreading the word for Chartway.  They have been great to me.  I have an auto loan with them.

They're my highest limit credit card.  The website and app aren't bad either.  

[AverageJoesCredit]

Probably saved myself a hp anyway. I really should be gardening but i did unlock my TU and Eq just in case . Applied for membership but they need dl and proof of residence. I also apped the cc just in case but today got an email that said declined due to no credit file?. No hps anywhere so not sure about that. Was waiting to hear back if i could send in different docs for proof of residence as i pay my water lights but bill isnt in my name. Like i said, things happen for a reason so ah well. DANG SJ, 25k would have been sweet

[CreditCuriosity]

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@FinStar wrote:
Congrats on your approval with Chartway FCU. I don't think I've ever seen anything posted about them.

Sounds like the process was seamless and pretty straight forward?

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Denied card at 780 EQ fico a few months back.  Obviously more goes into it then score, but said to much available credit or something along those lines

well it appears SJ also got in with quite a bit of credit.. Maybe they didn't like something else about me shrug?  350k approx in personal credit decent 6 figure income owed 5k approx on cc at time 1% utilization, etc...  who knows

edit: found AA letter see other post later down

Congrats OP!

[AverageJoesCredit]

The second email i got today for membership has a laundry list of things they would take as evidence. Meh, i wish it were like my Langley experience. Upload dl, upload 2 paystubs and voila, in. If they didnt like you CC, they wouldnt like me lol. Oh yeah CC, keep striking out on Discover. 2 more days til my official 90 days from last cli. Strict on protocol as fico

[CreditCuriosity]

Oops my mistake found the AA letter..  

Reason was couldn't verify idenity although they gave me membership which i no longer have due to dumb reason as no need for a CU if can't have access to credit products IMO.  Reason behind it is I have had two residence in the last year.  Well duh I bought a house and obviously had to move to house from apt i lived in for the two years prior to that.  Wasnt too much credit I appologize.  I think it was beteween the move and alot of available credit that gave them the scare.

Glad it is working for some though, just make sure you haven't moved recently and bought a house in the last year or two

[Anonymous]

I moved in August, still have my previous states ID as well, ID. Just sent them my latest mortgage statement, paystub and utility bill as proof of new address . All good.

[bigpoppa09]

I have close to $400K in available credit i may pass they may shoot me down 4 that.

[SouthJamaica]

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@bigpoppa09 wrote:
I have close to $400K in available credit i may pass they may shoot me down 4 that.

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Maybe, maybe not. But -- unlike many other credit unions -- they didn't say boo about my more than 500k in available credit, plus recent inquiries and accounts.

[SFLSpotter9210]

Congratulations on your account 😎.

[Anonymous]

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@AverageJoesCredit wrote:
The second email i got today for membership has a laundry list of things they would take as evidence. Meh, i wish it were like my Langley experience ...

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My "laundry list" consisted of a DL pic (which I had to resubmit) & utility bill, then pass 5 verification questions (mostly old addresses). Started it online Sunday & got the Approved email this morning. Not too bad.

Langley, on the other hand, not so much (I added the details to the CU thread).

Goes to show, as always, YMMV.