One has to love credit unions! Greenstate approved... - myFICO® Forums

C6 · ‎03-13-2023

I signed up with this credit union about 7 months ago. I already have their World Mastercard so knowing that a credit limit increase would cost me a hard pull I decided to apply for their Vanilla Platinum card. It has no rewards but no fees for balance transfer, cash advance, etc. I asked for $20k and that is what I was approved for at 11.9% fixed. The representative took the app over the phone and came back with the approval in about 15 minutes. Their 11.9% rate is at least half what is being offered by the major banks now and it's fixed! Pulled TU, score 762, 3/24 for the inquiries.

JoeRockhead · ‎03-13-2023

Outstanding SL and approval, congratulations!

Yasselife · ‎03-13-2023

Congratulations on your approval! @C6

Creditwiser · ‎03-13-2023

Excellent approval ! Congratulations !!

sznthescore · ‎03-13-2023

Congratulations on your approval and fixed rate!

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Goal: FICO 700+

CreditMagic7 · ‎03-13-2023

Congratulations on your Credit Union's 2nd card approval. Nice SL and Fixed rate APR!!

Chazzay12 · ‎03-13-2023

Wow! That's a fantastic SL. Congrats on the approval! Sounds like a wise move to just open another card instead of shooting for a CLI.

Starting Score: 580s
Current Score as of March 2024: EX 661, TU 624, EQ 655
Goal Score: 700+, working on paying high utl cc debt

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jibc1978 · ‎03-13-2023

congrats on the approval!

Personal Cards:

Business Cards:

Store Cards:

Credit Health:

CreditAggie · ‎03-13-2023

Congratulations on your Greenstate approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (February 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

SouthJamaica · ‎03-13-2023

@C6 wrote:
I signed up with this credit union about 7 months ago. I already have their World Mastercard so knowing that a credit limit increase would cost me a hard pull I decided to apply for their Vanilla Platinum card. It has no rewards but no fees for balance transfer, cash advance, etc. I asked for $20k and that is what I was approved for at 11.9% fixed. The representative took the app over the phone and came back with the approval in about 15 minutes. Their 11.9% rate is at least half what is being offered by the major banks now and it's fixed! Pulled TU, score 762, 3/24 for the inquiries.

Congratulations on a great approval.