I am with Vystar too.
They gave are my largest credit card at 25K after being in Toy Card Hell
One thing you should do is app for the checking LOC. They will use the
same inquiry and will match your CC limit. They did that for me. This
was after a rep in the branch told me it was an instant approval.
They are a great credit union. I have a vehicle financed with them now and
have paid off one.
They still use manual underwriting, which seperates them from the heard.
@Anonymous wrote:
Haven't seen many post about Vystar Credit Union, especially with its growing popularity down south. Here's my Data Points
Approved $5K Platinum Visa
- Pulled Transunion 622
- 0 collections
- 1% Credit Utilization
- 99% Payment History ( 1 late payment with OpenSky in February 2020)
- 3 paid charge offs with Capital One (1 in 2017 and 2 from 2018)
- 1 repo still reporting from 2016
I think that's it. Lol. I only re-established membership last week from having a closed checking out with a balance of $400 which I paid off in order to reopen membership from 2009.
Seems like a good start to a new relationship! I love Credit Unions
