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Was approved for a Langley FCU Visa card.
Some data points:
-very easy to join Langley FCU for $5 membership in something
-they do a hard EQ pull for membership
-they used the same pull for credit card application
-I had a significant number of new accounts and recent inquiries
-the score version they used was EQ FICO 8 Classic, which was 782 at the time
-although I applied for their Select (no rewards, lowest interest) card, they approved me for their
cashback card instead, and when I asked if they could product change it they said no, I would have to reapply
-the cashback card had 9.5% variable interest across the board (even cash advances)
-the card has no cash advance fee, but does have balance transfer fee and reduced foreign transaction fee
-cashback terms are lacklustre: 1% on everything
Congrats on the new approval!
@SouthJamaica wrote:Was approved for a Langley FCU Visa card.
Some data points:
-very easy to join Langley FCU for $5 membership in something
-they do a hard EQ pull for membership
-they used the same pull for credit card application
-I had a significant number of new accounts and recent inquiries
-the score version they used was EQ FICO 8 Classic, which was 782 at the time
-although I applied for their Select (no rewards, lowest interest) card, they approved me for their
cashback card instead, and when I asked if they could product change it they said no, I would have to reapply
-the cashback card had 9.5% variable interest across the board (even cash advances)
-the card has no cash advance fee, but does have balance transfer fee and reduced foreign transaction fee
-cashback terms are lacklustre: 1% on everything
Southie- what was your SL?
@Anonymous wrote:
@SouthJamaica wrote:Was approved for a Langley FCU Visa card.
Some data points:
-very easy to join Langley FCU for $5 membership in something
-they do a hard EQ pull for membership
-they used the same pull for credit card application
-I had a significant number of new accounts and recent inquiries
-the score version they used was EQ FICO 8 Classic, which was 782 at the time
-although I applied for their Select (no rewards, lowest interest) card, they approved me for their
cashback card instead, and when I asked if they could product change it they said no, I would have to reapply
-the cashback card had 9.5% variable interest across the board (even cash advances)
-the card has no cash advance fee, but does have balance transfer fee and reduced foreign transaction fee
-cashback terms are lacklustre: 1% on everything
Southie- what was your SL?
I don't know yet. Will update when I find out.
@Anonymous wrote:
Congratulations.
So did you apply for membership and the card online at the same time? What was the process?
First I applied for membership.
Then, shortly after that, I applied for a personal line of credit... haven't heard anything on that at all yet.
Then, shortly after that, I applied for the Select Visa card. About a day later they called me, told me I was approved for the credit card, and asked me to send income verification, which I did.
It was all over the span of maybe 3 days.
All my applications were on line.
Congratulations on yet another success!
@SouthJamaica wrote:Was approved for a Langley FCU Visa card.
Some data points:
-very easy to join Langley FCU for $5 membership in something
-they do a hard EQ pull for membership
-they used the same pull for credit card application
-I had a significant number of new accounts and recent inquiries
-the score version they used was EQ FICO 8 Classic, which was 782 at the time
-although I applied for their Select (no rewards, lowest interest) card, they approved me for their
cashback card instead, and when I asked if they could product change it they said no, I would have to reapply
-the cashback card had 9.5% variable interest across the board (even cash advances)
-the card has no cash advance fee, but does have balance transfer fee and reduced foreign transaction fee
-cashback terms are lacklustre: 1% on everything
Congrats! You're in Hampton, VA, I assume? I had Langley back in the day when I was a teenager. First savings and checking account and auto loan.
Update... starting limit is 15k
@SouthJamaica wrote:Update... starting limit is 15k
Nice one sj.
Big Congrats! on the new CU membership + approval.