Got a wild hair last night and decided to apply for a card a Unify. I was a little nervous after reading some of the experiences (like the mysterious approval and no response @SouthJamaica had a couple years ago), but I was pleasantly surprised by the speed and ease of the process!
I did the online app, and as expected they pulled EX. I hate apps that ask what you want for a SL - I'd rather they just offer something, or do like Alliant and give a "maximum I qualify for" option. I decided to throw out $20K, and it came back with an instant "conditional approval"! I received an email asking me to email a paystub - they really need a secure upload site, but ADP masks your SSN so I didn't mind emailing.
Late this morning they called and asked for proof of address, too, which isn't surprising since I've only been here about 8 months. I asked her about doing a PLOC with the same pull, so she asked a few questions (I said $10K for that one) and she said it was a "system approval" so it didn't even need to go to underwriting! Woohoo!! I emailed over my proof of address, and a little bit later I got the docusigns, so I submitted them. Whole process took maybe an hour A couple hours later, they showed up in my online banking:
EX Score (I think they still use 02): 749 (08 is around 780)
~10 INQs, including 3 in the past month or so
Couple new accounts on personal report in last 6 months
APR on card: 13.24 (lowest)
APR on PLOC: 9%
5000 bonus points (about $50 worth) for spending $2k in 90 days
Thanks for the details on this credit union and good recounting of the process.
And Congratulations! on your two approvals.
Congrats on both approvals and very nice SL !!!!!
Congrats on those two approvals!