Langley Signature Cash Back APPROVED!

5KRunner · ‎10-31-2019

I joined Langley FCU earlier this year after reading positive reviews from several forum members (particularly @AverageJoesCredit), and just a few weeks ago, I started seeing preapproved offers for their Platinum Visa. I don't need another balance transfer card, so I decided to apply for the Signature Cash Back VISA instead. At the end of the application process, I received an approval for "up to $15000," and was told to expect a call from them. About 10 minutes after completing the application, they called and told me that I could have whatever limit I wanted up to the approved $15K - don't think I've ever heard of anything like that before! So of course I took the full amount. They gave me their lowest APR - 10.75% (which doesn't matter as I don't intend to carry a balance).

They pulled EQ, which is 780 as of today (other 2 bureaus are between 780 and 800 at last check). Fortunately, I have only 7 EQ INQ in the past 12 months (one of which is the initial membership INQ for Langley, another from my PenFed membership, and a third for this new Langley card). Total revolving UTI is currently 5.5%-ish, income $131.1K.

Anonymous · ‎10-31-2019

Congrats on your approval!

Pro-X · ‎10-31-2019

Congrats on your approval!!

AllZero · ‎10-31-2019

Congratulations on your approval!

slickwidit · ‎10-31-2019

Congratulations on the approval.

"Achieving your goal is great and everything.. But The journey is where all the amazing stuff happens" *Slickwidit*
Score goals - 800+ (85 points away)

Meanmchine · ‎10-31-2019

Congrats on your siggy

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

AverageJoesCredit · ‎10-31-2019

Outstanding

GApeachy · ‎10-31-2019

@5KRunner wrote:
they called and told me that I could have whatever limit I wanted up to the approved $15K - don't think I've ever heard of anything like that before!

That's amazing! Nobody has chimed in about that (typical, atypical?) but that is the stuff dreams are made of! And your apr is crazy good too, happy for you and your win! Jealous over here but HAPPY!....yes, lots of ! points, ya done good, real good!!!!!

My Take Home Pay Don't Take Me Home

5KRunner · ‎10-31-2019

@AverageJoesCredit wrote:
Outstanding

And you deserve some of the... credit (well, not literally, but... you know...)!

Anonymous · ‎10-31-2019

Excellent detailed report -- thank you, 5KR. And Congrats! on a very nice approval.