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SECU(MD) Visa Signature $20k and $15k PLOC

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Gmood1
Super Contributor

SECU(MD) Visa Signature $20k and $15k PLOC

Thanks to @snickerpedia and @ocheosa  for their help in navigating this winding road called SECU(MD)! Without a doubt my toughest of apps!! 

And congrats to both, for their approvals!! Smiley Very Happy

SECU doesn't seem very friendly to out of state applicants! Puts me in the mind of another CU that will remain nameless here. lol

The actual credit apps are a piece of cake. The loan officers were a joy to chat with. Both of the ones I spoke to were genuinely nice.

Getting through the verification department, especially with the Covid issues, makes it a bit more difficult. 

If you're not flagged, like I and so many others were. The entire process is pretty cut and dry. Probably best to mail in your application if out of state. The process is a little longer though.

 

Ok here's the nitty gritty. Your credit pull is good for 30 days. So you can apply for other products in that time frame. Best to call in and apply for the 2nd product. If not you'll take a chance of another HP. Getting through to anyone outside of lending or online tech support is a nightmare at the moment!!

 

Make sure your membership is approved before continuing the app process. If not you'll be stuck with approvals and no way to utilize them.

You have 60 days to secure membership before you lose the approval(s) and forced to reapply.

 

My buddy @CreditCuriosity  has already given the main details. Such as they pull EQ5. Mine was a 737.

EQ HPs before app 8 (2) scoreable. 

Multiple new accounts. Several hadn't reported when I applied.

 

Visa Signature $20k at 11.49% 

 Earn 3x points on dining, travel, Amazon and iTunes**; 2x points on gas and groceries**; and 1x on all other purchases.

No annual fee, balance transfer fee, cash advance fee, or foreign transaction fee

SECU Visa Sig.png

 

PLOC $15k at 13.74% 

Credit lines from $300 to $30,000

SECU PLOC.png

 

Those are the lowest rates offered for each product. They gave me exactly what I requested.

I can say without a doubt I'm taking a break. I made my milestone. It has taken me 5 years exactly to reach it.

In May of 2015 I started rebuilding with two CC totaling $2600 TCLs. With these two apps I'm now a hair over $1 million TCLs.

 

I'll lose some of it through this year, as I have a couple cards I'll be closing. It's all good though. lol

When Synchrony gets wind of all these new accounts about to report. I may lose a bit more! Smiley LOL

I've got 4 new accounts that haven't reported yet. I've never been to the garden. But I'm about to buy a GPS and go find it.

Well.. for atleast 6 months. Smiley Wink

 

 

 

 

67 REPLIES 67
AllZero
Mega Contributor

Re: SECU(MD) Visa Signature $20k and $15k PLOC

Congratulations on your massive approvals!

Message 2 of 68
Gmood1
Super Contributor

Re: SECU(MD) Visa Signature $20k and $15k PLOC

@AllZero 

Thanks my friend!!

Message 3 of 68
Anonymous
Not applicable

Re: SECU(MD) Visa Signature $20k and $15k PLOC

Welcome to the SECU family!

 

IIRC they raised the minimum credit score to something like 670+ EQ5 after corona

 

Pretty generous CU and the card is sweet

Message 4 of 68
simplynoir
Community Leader
Mega Contributor

Re: SECU(MD) Visa Signature $20k and $15k PLOC

I can only imagine the wallet needed to fit your new card with the rest of your other cards 😂

 

Congratulations on your approvals

Message 5 of 68
Gmood1
Super Contributor

Re: SECU(MD) Visa Signature $20k and $15k PLOC

@Anonymous  Thanks!! Your post was one of those that guided me to this CU! lol

 

@simplynoir Smiley LOLSmiley LOL

Thanks buddy!! Yeah that wallet is called the SD. Smiley TongueSmiley LOL

Think of all the debit cards and ATM cards!! lol

Message 6 of 68
ocheosa
Valued Contributor

Re: SECU(MD) Visa Signature $20k and $15k PLOC

Holy Toledo $1MM ? WINNING !!!

Congratulations to our very own Credit Caped Crusader !! 

 

thumb image

[4/24] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 0, EX 3, TU 2. AoOA=15.8y, AoYA=8m.
TCL $678.5K: Personal $562.5K, Business $116K.
Message 7 of 68
M_Smart007
Legendary Contributor

Re: SECU(MD) Visa Signature $20k and $15k PLOC

Congrats @Gmood1 !!!

 

"help in navigating this winding road called SECU"

 

"LIKE A BOSS" https://www.youtube.com/watch?v=XEUMwxzyDxI&feature=youtu.be

 

 

Message 8 of 68
macinjosh
Senior Contributor

Re: SECU(MD) Visa Signature $20k and $15k PLOC

Congrats on the approvals and reaching $1 million aggregate. I have a long way to go after just hitting $120k today. 


Samsung Financing TD Bank $3,200


Message 9 of 68
Meanmchine
Super Contributor

Re: SECU(MD) Visa Signature $20k and $15k PLOC

Congrats @Gmood1  on these approvals and crossing into the $1M Hall Of Fame.  Smiley Happy

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 10 of 68
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