Langley FCU Visa

[SouthJamaica]

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

[galahad15]

Congrats on the new approval! 

[Anonymous]

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@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

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Southie- what was your SL?

[SouthJamaica]

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@Anonymous wrote:

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@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

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Southie- what was your SL?

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I don't know yet. Will update when I find out.

[Anonymous]

Congratulations.
So did you apply for membership and the card online at the same time? What was the process?

[SouthJamaica]

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@Anonymous wrote:
Congratulations.
So did you apply for membership and the card online at the same time? What was the process?

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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.

[Anonymous]

Congratulations on yet another success!

[resilient]

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@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

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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. 

[SouthJamaica]

Update... starting limit is 15k

[CreditMagic7]

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@SouthJamaica wrote:

Update... starting limit is 15k

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Nice one sj.

Big Congrats! on the new CU membership + approval.