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@B335is wrote:
Congrats SJ! I tried to apply for membership and the website had verification issues.
Yeah they're probably beefing up their membership requirements after I slipped in.
@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!🎈🎊
How many inquiries do you have on EQ?
@woodyman100 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
Congrats!🎈🎊
How many inquiries do you have on EQ?
I think 5
@SouthJamaica wrote:
@woodyman100 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
Congrats!🎈🎊
How many inquiries do you have on EQ?
I think 5
Oh man. I get more inquiries before 9 am than most people get all day!
@woodyman100 wrote:
@SouthJamaica wrote:
@woodyman100 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
Congrats!🎈🎊
How many inquiries do you have on EQ?
I think 5
Oh man. I get more inquiries before 9 am than most people get all day!
I have more inquiries on EX than EQ and TU combined.... twice as many.
First congrats on your approvals m8, second how many is to many inq?Can some one beat this (my inq): TU 166 , EQ 143, EXP 170
@peghede wrote:First congrats on your approvals m8, second how many is to many inq?Can some one beat this (my inq): TU 166 , EQ 143, EXP 170
Congrats OP on the approval. Let us know what the CL is when you find out.
And to peghde.. are those inquiry numbers for real?!
yes real deal
@peghede wrote:First congrats on your approvals m8, second how many is to many inq?Can some one beat this (my inq): TU 166 , EQ 143, EXP 170
No I think that's the record