Rev!!! SO good to see!! You have my favorite name 
Much congrats on your success there, and glad to see you around..miss seeing ya
Much congrats on your success there, and glad to see you around..miss seeing ya
@pizza1 wrote:
Rev!!! SO good to see!! You have my favorite name
Much congrats on your success there, and glad to see you around..miss seeing ya
Ah shucks, you are an absolute sweetheart!
Yeah, life has gone all over the place as of late and when things go awkward my posting here goes way down heh. I'm very glad to see you're still around, and at least from your threads I've seen over time, seem to be doing really well!
@Anonymous wrote:Congrats! Interesting to hear about the DCU HELOC. I may wander over and see if you talked about it in the mortgage forum. I was thinking HELOC last May and ultimately refi'd and am being HOUNDED to refi again. I'm happy with DCU otherwise and wouldn't have thought to use them for a HELOC, but I definitely wouldn't go through the process with US Bank like I did last time.
ETA: Another interesting Chase pattern on limits. My two last personal Chase cards are RC $20k and Hyatt (via moving CL started at $5k but after auto CLI) $6.5k. What did I get for my Ink+ for my as yet not really off the ground much business: $26.5k.
I seriously geek out over patterns like this, though I'm shocked at the 26.5k business extension... course I was shocked at my own minimum limit 5K Ink at the time a couple years ago when my credit was even more laughable than it is now heh.
I do sort of wonder if I were to open another business card for a non-SP entity, if my limit would be similar to the personal extension or something else entirely; I'd always understood that personal and business were entirely seperate from a Chase perspective, but I can't see why they wouldn't use similar analytics for both when we're talking PG'd card anyhow.
I didn't post about the HELOC over on the mortgage forum; I should probably go do that actually though it's just a random datapoint. The only complaint I had with DCU is it took them near 30 days to actually start pushing the process but they did state they'd get it closed in 45 days and they'll pull it in under that. Really I know this could've been done in like 3 days, so I wasn't concerned; only place where I'd be skeptical on it is if I needed the money like right now, but that wasn't the case for me.
And 3.25% for a minimum 675 Beacon 5.0 score, that's an *insanely* good rate for a HELOC at that credit strata, and an excellent rate at any credit strata actually. There are a couple places I saw marginally lower, but they were higher UW requirements (go figure) and I had the relationship with DCU already and it was effectively a guarunteed approval and I knew that, HELOC's other than the amount of documentation we have to submit (similar to mortgage) aren't a big deal to get done I don't think.
Congrats
I think 22 is the magic numbers , thats fantastic !!! Congrats