@Anonymous wrote:
Read some old reviews on this CU. Anyone know if there requirements changed and are they still only pulling from EQUAFAX? Any fresh news would be helpful. Thanks
A lot of people have been reporting TU pulls for the new 3% CB card. I know they did a SP on EQ when I joined.
They seem like they're INQ sensitive, new account sensitive, "too much available credit" sensitive... here are some threads:
http://ficoforums.myfico.com/t5/Credit-Card-Applications/Alliant-cash-back-visa-denial/m-p/4909910/
Also, Alliant is discussed quite a bit here:
http://ficoforums.myfico.com/t5/Credit-Card-Applications/Official-Credit-Unions-Guide/m-p/4768788
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@Anonymous wrote:
Does anyone know the minimum redemption for their non-annual fee Platinum rewards card? I read on doctor of credit that they changed the card to 2 points per dollar. I'm interested in getting it now that it's basically 2% cash back.
I cannot be 100% certain, but it looks to me like $20 is minimum redemption for deposit to checking, savings, or statement credit.
Deposit to checking or savings can take 4-7 business days via ACH. Whereas statement credit can take up to 45 days to appear on your statement.
Yes, the minimum redemption is $20. Confirmed by Alliant.Their email was sent to my spam folder so I didn't notice it until now.
Actually, their rewards redemption people are located only 10 miles away from my apartment in Minneapolis.
Alliant is a pretty good CU. They did just change their regular Platinum Rewards card to 2% with no AF, which puts it on par with the better general spend cards. They are conservative and definitely do not like inquiries or recent accounts (last 6 months especially). One interesting thing I recall is that you name the credit limit you would like when applying. They also offer 1% on their savings account which for a long time was really outstanding, and is still pretty good.
@happypill wrote:Alliant is a pretty good CU. They did just change their regular Platinum Rewards card to 2% with no AF, which puts it on par with the better general spend cards. They are conservative and definitely do not like inquiries or recent accounts (last 6 months especially). One interesting thing I recall is that you name the credit limit you would like when applying. They also offer 1% on their savings account which for a long time was really outstanding, and is still pretty good.
they are pretty conservative and I think you may have to send in proof of income if i recall. Also there savings is 1.05% I think it matches ally , also they have interest checkig accoung which is .65% .
