Patelco CU Points MC $25,000.00 *****Approved

M_Smart007 · ‎08-29-2022

Imma good gardener

Patelco CU Points MC $25,000.00 *****Approved!

So in keeping with my goal of getting under 5/24

This makes my fourth approval in 8 months. (almost 9 months)

Ran The Pre-Qualify for Science, came back Pre Approved for $10K

After it went through manual UW, I got the email, conditionally approved for $25,000.00

The only condition's were that I accepted

The whole process took roughly six hours, from applying, calling in to verify myself ...to card showing in online accounts.

A credit Union that is on the ball!

This is my second CC with them.

Really great CU to work with.

" Founded in 1936, it is one of the oldest and largest credit unions in the country. With more than $9 billion in assets, it is the 22nd largest credit union in the country."

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KingRue8500 · ‎08-29-2022

Congrats on your Patelco CU Points MC approval

Jnbmom · ‎08-29-2022

Congrats. Last time I tired to prequalify they offered a secured card 😳 I found that quite hysterical and rather insulting at the same time .

EXP 780 EQ 796 TU 810

SUPERSQUID · ‎08-29-2022

CONGRATS!!!!!

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

M_Smart007 · ‎08-29-2022

Sorry @Jnbmom , That is a big let down, I would be insulted too!

FLLGuy · ‎08-29-2022

that's a nice king size catch - congrats !

CreditAggie · ‎08-29-2022

Congratulations on your Patelco CU approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (July 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

ElizabethKate · ‎08-29-2022

Oh gosh, I love Patelco! Congratulations @M_Smart007 on your new card 🤩 & for having whatever special warlock magic you have that faciliates all these incredible approvals! 🔮

Starting Score: 615
Current Score: Exp: 763 {FICO 8} TU: 706 {FICO 8} EQ: 723 {VS 3.0}
Goal Score: 800

805orbust · ‎08-30-2022

Chug-a chug-a chug-a chug-a... just chugging right along! Congrats!

SouthJamaica · ‎08-30-2022

@M_Smart007 wrote:

Imma good gardener

Patelco CU Points MC $25,000.00 *****Approved!

So in keeping with my goal of getting under 5/24
This makes my fourth approval in 8 months. (almost 9 months)

Ran The Pre-Qualify for Science, came back Pre Approved for $10K
After it went through manual UW, I got the email, conditionally approved for $25,000.00
The only condition's were that I accepted

The whole process took roughly six hours, from applying, calling in to verify myself ...to card showing in online accounts.
A credit Union that is on the ball!

This is my second CC with them.
Really great CU to work with.
" Founded in 1936, it is one of the oldest and largest credit unions in the country. With more than $9 billion in assets, it is the 22nd largest credit union in the country."
(Click image to enlarge)(Click image to enlarge)(Click image to enlarge)(Click image to enlarge)(Click image to enlarge)(Click image to enlarge)(Click image to enlarge)