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SECU account, Rewards Visa, PLOC approved ($40K Total)

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Valued Contributor

SECU account, Rewards Visa, PLOC approved ($40K Total)

On my quest, looking for low APR/BT cards with no fees, I stumbled on a local CU, SECU. Checked out their product and saw there were no fees for BT or cash advance (I do see that often) and went for it, along with the required membership ofcourse. I was afriad with all of my recent activities (app spree) they would turn me away for the usual - too many new account/inquiries,etc.

 

Submitted the application for the rewards visa - which goes thru a manual review with UW. Took a hit on EQ - which is my lowest score to date. They contacted me a couple of days later with an approval. $25K SL and their lowest APR of 13.74% - which is not the best but not the worst. The loan specialist also informed me that I can apply for other products with the same HP within 30 days. So, I went for the PLOC as well. max on this was $30K so I asked for $15K. 2 days later, that came back approved with an APR of $13.74 a well. I was quite pleased.

 

Stats on the card:

$25K SL

25,000 point SUB for $2K spend

3x points on dining, travel, Amazon and iTunes

2x points on gas and groceries

No balance transfer, annual, or cash advance fees ever!

 

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I definitely need to change into my overalls and hit the garden...I know, I keep saying that after a new account but I honestly believe I have everything I need at the moment. I'm also going to consolidate a few lines as well. I feel it's needed.

 

On another note, I also closed out that NFCU card with the $500 SL I recently got approved for. I have 2 cards and a PLOC with them currently ($74K total exposure) so I'm good there.

697 INQs: 12768 INQs: 7762 INQs: 8UTIL: 2%AAoA: 3yr 3mosTotal Credit Line: $781,450
Message 1 of 12
11 REPLIES 11
Community Leader
Super Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)

Congrats on your new card and PLOC there!

FICO 08 Scores (Mar-19): TU 808, EQ 795, EX 787

Message 2 of 12
Super Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)

That looks like a great prospect of another CU to look into for some positive results.

(geo-restrictions availability of course)

 

Big Congrats! on taking the chance and using the effort to even reach out for the nice PLOC as well.

 

Perfect choice at the right time. Nice SL's  Smiley Happy

Message 3 of 12
Valued Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)

Thanks! I'm thrilled my app spree didn't ward them off. I think I've accumulated 8 INQs within the last couple of weeks.

697 INQs: 12768 INQs: 7762 INQs: 8UTIL: 2%AAoA: 3yr 3mosTotal Credit Line: $781,450
Message 4 of 12
Community Leader
Super Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)

WTFico is SECU ,LOL, PLOC too, SMH, OMG great SL & APR, TIA 4 any INFO, GRATS Y, dont =vr Settle!Smiley Happy
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
Message 5 of 12
Valued Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)


@AverageJoesCredit wrote:
WTFico is SECU ,LOL, PLOC too, SMH, OMG great SL & APR, TIA 4 any INFO, GRATS Y, dont =vr Settle!Smiley Happy

Thanks AJC! SECU is a local MD CU. Requirements to join: being a MD resident or an alumni of a school in MD.

697 INQs: 12768 INQs: 7762 INQs: 8UTIL: 2%AAoA: 3yr 3mosTotal Credit Line: $781,450
Message 6 of 12
Community Leader
Super Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)

Lol, thanks Y. Just keep her to yourself or else MF might try to break it with an appedeSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
Message 7 of 12
Frequent Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)

Congrats on your success!!

Message 8 of 12
Valued Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)


@AverageJoesCredit wrote:
WTFico is SECU ,LOL, PLOC too, SMH, OMG great SL & APR, TIA 4 any INFO, GRATS Y, dont =vr Settle!Smiley Happy

 

My GOODNESS there were a lot of abbreviations there. Lol congrats, OP!!!!

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 9 of 12
Valued Contributor

Re: SECU account, Rewards Visa, PLOC approved ($40K Total)


@Ysettle4 wrote:

@AverageJoesCredit wrote:
WTFico is SECU ,LOL, PLOC too, SMH, OMG great SL & APR, TIA 4 any INFO, GRATS Y, dont =vr Settle!Smiley Happy

Thanks AJC! SECU is a local MD CU. Requirements to join: being a MD resident or an alumni of a school in MD.


Thanks for the clarification, I'm a member of NC SECU, so my mind went there  Smiley Wink





Garden goal: Gold spade and completely clean reports
Message 10 of 12