Hi :-)
Been looking for a card to complete a balance transfer for a repair we had to pay for a while ago.
Preferred a lender that would pull TU as that's my highest score and no BK reporting.
App'd for BECU membership and card yesterday and was immediately approved but only for $1500.00. :-(
Called recon line and they noted my DTI due to student loan payment calculated but my loans are deferred and I don't make payments. She said she'd submit that info to the underwriters to see if they'd reconsider the SL but no response yet and I'm not holding my breath.
DP: pulled TU, 695
Also yesterday, got two pre approval offers from PenFed for the Gold and a loan. Card was also in the My Offers section on the website. It went into review, and got approved today for $7500!
That's what we need for the balance transfer.
DP: no hard pull as of now so unsure what report they used for pre approval
While I would have preferred the BECU card as it had no BT fee, if they decline the recon I'm going to decline that card as I have 30 days to do so and I don't want/need a $1500 card. Plus I don't want the new account hit for a card that wouldn't be that useful.
Will move along with the Pen Fed Gold 
Congrats on both of your BECU and PenFed approvals!
Congrats on your approvals! That's a great SL from PenFed.
Id be curious to know what your EQ score they pulled was. Have you been with them long to get the offer?
Starting Score: 580s
