cancel
Showing results for 
Search instead for 
Did you mean: 

Langley FCU Visa

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Moderator Emeritus

Re: Langley FCU Visa

Congrats SJ! I tried to apply for membership and the website had verification issues.
Message 11 of 23
Super Contributor

Re: Langley FCU Visa


@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.

 

 

 

 


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

How many inquiries do you have on EQ?

NFCU Flagship 74k-United Plus Explorer-50k-QS 25k-Avianca 28.8k-Cabelas 24k-Lowes 35k-USAA Amex 32k-FNBO Plat 31k-Numerous others at 20k and below
Message 13 of 23
Super Contributor

Re: Langley FCU Visa


@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


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 14 of 23
Valued Contributor

Re: Langley FCU Visa


@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!Smiley LOL

NFCU Flagship 74k-United Plus Explorer-50k-QS 25k-Avianca 28.8k-Cabelas 24k-Lowes 35k-USAA Amex 32k-FNBO Plat 31k-Numerous others at 20k and below
Message 15 of 23
Super Contributor

Re: Langley FCU Visa


@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!Smiley LOL


I have more inquiries on EX than EQ and TU combined.... twice as many.


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 16 of 23
Valued Contributor

Re: Langley FCU Visa

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

Message 17 of 23
Established Contributor

Re: Langley FCU Visa


@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?!

Message 18 of 23
Valued Contributor

Re: Langley FCU Visa

yes real deal

Message 19 of 23
Super Contributor

Re: Langley FCU Visa


@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 Smiley Happy


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 20 of 23
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.