I was in the market for a PLOC and feeling that PenFed was going to deny me, I apped for a $25K PLOC with NFCU. Instant approval but at an aggregious rate 16.43% for 60 months. I continued with the app and decided to take it as it will be paid off in 6 months and I havent filed my taxes yet and may need it. If I don't need it for my taxes, I will just use the funds to repay the loan and build some good will for a lower rate in the future. The positive thing is I got in.
On that high, I pulled the trigger for a Platinum card solely for the low interest rate (maybe). It went to review, but 20 minutes later I got a text that I was approved. Yay!!! I called for the SL and it was $3K. BOO!!!! APR 7.24% YES!!!! This would be a great card for short term, low interest large purchases, but $3K ugh!!!
FYI - they pulled TU for me. I got the alert from Creditwise, TU and CK almost instantly. I'll update once I know what score they pulled. My current myFICO 8 for TU is 720. My current stats are in my siggy.
I was hoping to app for the Chase Sapphire Reserve before going into the garden for a year, but I may need to head there now.
Wonder what one would say about all my above 16% aprs 