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Langley FCU Visa

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Super Contributor

Langley FCU Visa

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

 


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
22 REPLIES 22
Valued Contributor

Re: Langley FCU Visa

Congrats on the new approval!  Smiley Happy

Message 2 of 23
Senior Contributor

Re: Langley FCU Visa


@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?

Message 3 of 23
Super Contributor

Re: Langley FCU Visa


@donny10 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.


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 4 of 23
Valued Contributor

Re: Langley FCU Visa

Congratulations.
So did you apply for membership and the card online at the same time? What was the process?
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 5 of 23
Super Contributor

Re: Langley FCU Visa


@Djgrolyos 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.


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 6 of 23
Community Leader
Super Contributor

Re: Langley FCU Visa

Congratulations on yet another success!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 7 of 23
Established Contributor

Re: Langley FCU Visa


@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. 

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Message 8 of 23
Highlighted
Super Contributor

Re: Langley FCU Visa

Update... starting limit is 15k


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 9 of 23
Super Contributor

Re: Langley FCU Visa


@SouthJamaica wrote:

Update... starting limit is 15k


Nice one sj.

 

Big Congrats! on the new CU membership + approval.

Message 10 of 23
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