Jovia, Service CU Approvals, Chase CLIs

[Financially_Disciplined]

JOVIA

Applied for the Online only savings account @ 5.00% APY – approved in 1 day

Eligible through the CrossState Credit Union Foundation

Applied for the Visa® Signature Elite Credit Card – approved a few hours after submission

$25,000 @ 16.24%, $200 SUB for $2000 spend over 3 months

Requested upload of DL

Applied for SafetyLine Overdraft – waiting for answer.

Pulled TransUnion – 815

SERVICE CU

Applied for Checking/ Savings – had to call in for approval because I could not upload answers to the questions:  

How did you hear about us? / Why do you want to bank with us?

Eligible through Financial Fitness Association

Applied for credit card – unable to choose which one - conditional approval an hour later

Visa Signature Everyday Elite

$28,400 @ 18.00%, 15,000 bonus points for $1500 spend over 60 days

Applied for PLOC – requested $30,000 - conditional approval

$21,600 @ 11.99%

Initially requested 1 paystub – then requested an additional paystub, ID, selfie holding ID, last two W-2s

Pulled Experian Fico 10 – 789 / Fico 10 T – 757 – according to website this is what they use now

CHASE

Freedom     $1200 - $2400

Amazon      $2800 - $5600

Unlimited   $1000 - $2000

Sapp Res    $20,000 - $26,400

Langley

Denied for rewards card 2 yrs ago – applied - approved for $500 – Basic card **bleep**

Declined PLOC CLI 

Called in for recon – waiting for response

If unsuccessful I will be closing all my accounts with them and Redstone.

[keekers]

Congrats.

[NoMoreDebt]

Congrats

[MissLiz]

That's amazing! Congratulations!

[reluctantgarden]

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Well played! FWIW, when Jovia was slow to respond to the LOC app, that's when I went ahead and app'd for the other CC to get their attention--in my case the Signature Elite since I'd already been approved for the Advantage. Later that day, the LOC was approved, and as you know, the Signature Elite as well. Obviously if you have no interest in the Advantage, you wouldn't do this, but just throwing it out there that even though they have language warning you off apping for a second card, they might approve it.

[Anonymous]

Let us know if the PLOC with Jovia requires POI if possible

[Financially_Disciplined]

Thank you everyone.

I just had to call Service CU because they actually declined my applications .   

The rep said that they could not verify my employment and income

I submitted 2 paystubs and W-2s for 2022 & 2023. So I don't understand what the issue is.

The rep told me to wait for the adverse letter because there was nothing else she could tell me regarding the verification process.  Of course I refused because that explantion doesn't make any sense.  I pushed to speak with a supervisor. 

The supervisor I spoke with was extremely helpful.  She said at the time of submission the membership had not been fully established so she is going to resubmit the applications for further review now that it has been. 

Fingers crossed.

[Financially_Disciplined]

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@Anonymous wrote:

Let us know if the PLOC with Jovia requires POI if possible

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I certainly will 

[Financially_Disciplined]

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@reluctantgarden wrote:

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Well played! FWIW, when Jovia was slow to respond to the LOC app, that's when I went ahead and app'd for the other CC to get their attention--in my case the Signature Elite since I'd already been approved for the Advantage. Later that day, the LOC was approved, and as you know, the Signature Elite as well. Obviously if you have no interest in the Advantage, you wouldn't do this, but just throwing it out there that even though they have language warning you off apping for a second card, they might approve it.

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Since the pull is good for 30 days, I might just apply for it once the Elite is showing up on the dashboard.  

I want to start closing down my store cards and need replacement limits so my utilization doesn't take a hit. 

[SouthJamaica]

Wow. Congratulations on all those approvals.