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I just applied for a CLI, since I've had the Signature Visa Card for almost 3 years now with $10k - 14.85% APR. Today, my credit has improved from when I was approved for the card, I took my chances and requested a CLI and APR reduction. After send an email and being told to apply online, I was able to simply call and get CLI. This took all of 5 minutes, the rep asked me a few identifying questions and we were off to the races. BAM!!
Approved for $20k - 10.85% APR. Rep also stated I could use the same TU HP to get an auto loan within the next 30 days. I am on the market for a car, so this is perfect. I'm so glad I asked if they would be able to do this. Now I'm tossed if I should even attempt to apply to NFCU for my auto loan. I did not have any inquiries on TU, but I just got a 2 for the price of 1. Founders FCU for the win!!!
Update:
I called back on Friday and was approved for $90K - 2.49% for 72 months. She said all I had to do was have the Dealership fax the buyers order then I'm good to go. I asked for her the fax number since I'm looking for a Maserati for my 50th Bday on Wed. Founders FCU for the 2 for 1 win!!!
@purplegurl1920 wrote:
I just applied to a credit limit increase, I've had the Signature Visa Card for almost 3 years now with $10k - 14.85% APR Today, since my credit has improved from when I was approved for the card, I took my chances and requested a CLI and APR reduction. After send an email and being told to apply online, I was able to simply call and get cli. This took all of 5 minutes, the rep asked me a few identifying questions and we were off to the races. BAM!! Approved for $20k @741051.85% APR. She also stated I could use the same TU hard pull to get an auto loan within the next 30 days. I am on the market for a car, so this is perfect. I'm so glad I asked. Now I'm tossed if I should even attempt to apply to NFCU for my auto loan. I did not have any inquiries on TU. Founders FCU for the win!!!
Congrats!
Do you mind sharing some data points? Is it pretty easy to get approved with prior charge offs?
Congratulations on your CLI!!
I don't know. I don't have any baddies.
Congratulations! ..