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JAXFCU Platinum Visa Approval

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Contributor

JAXFCU Platinum Visa Approval

I applied for $20K and they countered for $15K.  I took it.  They have a balance transfer offer that blew my  mind - 6% apr on all balance transfers for the life of the balance for transfers made in the first 30 days of account openinng.  I'll take it!

 

They did ask about all of my inquiries.  I was honest - shopping for a lower APR on a credit card.

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 1 of 8
7 REPLIES 7
New Member

Re: JAXFCU Platinum Visa Approval

Curious who they pulled and how many new accounts were in the last year.
Message 2 of 8
Senior Contributor

Re: JAXFCU Platinum Visa Approval

Congratulations on your approval!

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

Current Scores



Message 3 of 8
Contributor

Re: JAXFCU Platinum Visa Approval

14 new accounts within the last year.. Smiley Happy 

 

I have so many inquiries.  Not many credit unions seem to care.  They expect you to shop around for better rates. 

 

All of my  reports are the same (99%).  Not sure who they pulled yet.  My alerts aren't always fast.

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 4 of 8
Community Leader
Mega Contributor

Re: JAXFCU Platinum Visa Approval

Congrats, i wouldnt try that with Penfed, that seem to care about inquiries very much so. I had 8 on my Eq and i had " too many" lol
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 8
Valued Contributor

Re: JAXFCU Platinum Visa Approval

Congrats! Nice approval!
                               

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 6 of 8
Contributor

Re: JAXFCU Platinum Visa Approval

One of those recently new accounts is a PenFed account.  They only gave me $4500.  They refuse to budge and won't give me any other trade lines.  So you're basically right.  Alliant is sensitive to these things as well.  I'll crack both of them eventually.

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 7 of 8
Senior Contributor

Re: JAXFCU Platinum Visa Approval

Congrats on your approval and very nice SL !!!!

 

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 8 of 8
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