Langley FCU Signature Cash Back Visa _ UPDATED

AndySoCal · ‎08-23-2024

Membership: I checked this morning on Annual Creit Reports there were two pulls on Equifax yesterday. One was soft pull (membership) the other was hard pull for the credit card as expected. With Langley FCU you do not have to join anything to become a member just a resident in the US basically

Credit Card: The is morning I received an email wanting 2 pay stubs which were prrovided. I also asked if the 5,000 credit limit could be increased to 10,000. The response was the application would be returned to underwriting to see if it could be done. The response was the limit was increased to 10,000.

Data points my score at Equifax was 806 Per My FICO Credit Utilization 1 to 2% Average age of Accounts 12.4 years (the term I used may not be quite right)

I hope this helps

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

MissLiz · ‎08-23-2024

Congratulations on your approval and successful recon to increase your SL!

“A woman’s best protection is a little money of her own.” – Clare Boothe Luce

PullingMeSoftly · ‎08-23-2024

Nicely done @AndySoCal, congrats on the approval and the bump to 10k!

Forgot to mention that that the 5% category selection is built into the app in the card interface, so it's pretty convenient. Just remember to do it at the beginning of each month. Enjoy!

Chase Sapphire Preferred Visa Sig │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 3x mobile wallet

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $29,000 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $31,800 │ 5% selectable rotator

Citi Custom Cash MC │ $20,000 │ 5% selectable rotator

Bank of America Customized Cash Rewards Visa Sig │ $30,000

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Signature Rewards Visa │ $25,000

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

Rdbeetle · ‎08-23-2024

Congrats on the approval and getting the limit increased!

SchoolsFirst FCU Rewards WMC $25k
US Bank Smartly VS $15k
AMEX BCE $10k
Walmart CashRewards WMC $8k
FICO 8 Scores: EX 799 I TU 809 I EQ 809

AndySoCal · ‎08-23-2024

@MissLiz My recon was simply this in the email that I attached the POI documents I added this sentence. I would like to request that my current credit limit 5,000 be increased to 10,000 please. I was not sure what to expect but I am happy with the results. I never thought I would do a recon.

@PullingMeSoftly Thank you for the additional information on the card.

All, Thank you for your responses and Kudos

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

NoMoreDebt · ‎08-24-2024

Congrats

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

keekers · ‎08-24-2024

Interesting process; congrats again.

CreditAggie · ‎08-25-2024

Congratulations on your Langley approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (June 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

TG10X · ‎08-25-2024

Congratulations on your approval!

Not sure of your goals but I believe that one hard pull can be used for mutiple credit products. If you were interested in a Line of Credit it may be worth asking. When I applied for my Langley card I tried a 2 for 1 but was denied on the the 2nd card. I'm looking to get a second card with them in the future. There are no fees on balance transfers with them so I've been able to use that to my advantage since I've been with them.

AndySoCal · ‎08-25-2024

@TG10X @Thank for the information. I have been doing a what if scenario which if my financial institution was hit with a ransomware attack. How would I recover/survive that. I would get if need be get a secured share loan which has a lower interest rate than other loans. Langley currently is as low as 3.05%.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal