Lol they literally only requested my DL to be uploaded. Asked which card I wanted to choose and then sent a follow up asking for my updated address since app was different than ID address. No call or anything. Also approved for a 5 figure limit
@Financially_Disciplined wrote:
@Financially_Disciplined wrote:
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
DECLINED FOR FRAUD !!!!
I can't believe it. Their fraud department actually accused me of sending fraudulent documents.
I have never in my life been accused of fraud nor have I committed it. SMH
They couldn't verify my income and thought my paystubs were fake - hence the W-2s
Oh well -wasn't meant to be.
On to the next one.
Service CU did the same exact thing to me after I requested a CLI. I told them to blow it up their @$$ and close my card and membership immediately. They're an incredibly poorly run CU if you check any of their reviews.
@Anonymous wrote:Let us know if the PLOC with Jovia requires POI if possible
Since PLOC is reviewed manually by underwriter then they do ask POI from most of the people....not from all, but from most. I was asked POI so does from many of my family members and friends. And a few times when the asking loan amount/limit is higher than certain amount then POI would definitely be asked for....However, on average it is all about an individual's overall credit profile...YMMV kinda thing.....
