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Evansville Teachers FCU Platinum MC

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Super Contributor

Evansville Teachers FCU Platinum MC



Approved for Platinum Prime Plus MC,
no balance transfer fees
$7500 SL
They asked for tax returns before approving
If you apply for 10k or more they do a telephone financial statement
They pulled TU where I had a 781 FICO 8; I don't know which score they used
As always, I had substantial new accounts and inquiries
They turned me down a year earlier


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 1 of 8
7 REPLIES 7
Moderator

Re: Evansville Teachers FCU Platinum MC

Use to belong to this CU interesting DP on approval.. What the heck is a telephone financial review anyways?  Isn't w-2's good enough?  They have some good rates or at least they use to; what apr did you get?  Surprised they werent a bit more competitive with the CL they gave you as they use to push their cards on me heavily and at the time they use to pull 04 although not sure of version they pull now

Message 2 of 8
Super Contributor

Re: Evansville Teachers FCU Platinum MC


@CreditCuriosity wrote:

Use to belong to this CU interesting DP on approval.. What the heck is a telephone financial review anyways?  Isn't w-2's good enough?  They have some good rates or at least they use to; what apr did you get?  Surprised they werent a bit more competitive with the CL they gave you as they use to push their cards on me heavily and at the time they use to pull 04 although not sure of version they pull now


1. She said the financial statement over the phone would be her asking me more detailed questions about finances.

2. No W2 wouldn't have been good enough.

3. I don't know the APR yet. Just know I have a promotional 1.99% APR. Will update when I find out the regular APR(s).

4. I only requested 7500 so I have no idea how how they would have gone.

 

 

 

 


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 3 of 8
Senior Contributor

Re: Evansville Teachers FCU Platinum MC

Congrats on your approval !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 8
Community Leader
Mega Contributor

Re: Evansville Teachers FCU Platinum MC

Wow SJ, Elliot would be proudSmiley Happy

E.T. FCUSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 8
Senior Contributor

Re: Evansville Teachers FCU Platinum MC

Congratulations about your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 6 of 8
Frequent Contributor

Re: Evansville Teachers FCU Platinum MC

You are killing it today😁! 🎊👏🎉
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 7 of 8
Valued Contributor

Re: Evansville Teachers FCU Platinum MC

Congrats on another nice approval SJ & thanks for the data points!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 8 of 8
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