Alliant Credit Union ROCKS!

[Anonymous]

Why do I always go to this forum ?

I wanted to stay calm and not apply for anything, because I have only 4 credit cards, and two of them are 6 months old (Amex, Discover), and one is 3 months old (Chase). The latter just now increased their CL from a whopping $300 to $900 . I guess if I apply now for Alliant, this will make the other ccc nervous. But this savings interest looks so good! I haven't seen anything like that in a while! And the checkin account yields the same if you just set up a monthly deposit. Cool!

I'm getting weak... Although I fully expect to end up with a crappy CL once again, even with Alliant.

[Anonymous]

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@Anonymous wrote:

Why do I always go to this forum ?

I wanted to stay calm and not apply for anything, because I have only 4 credit cards, and two of them are 6 months old (Amex, Discover), and one is 3 months old (Chase). The latter just now increased their CL from a whopping $300 to $900 . I guess if I apply now for Alliant, this will make the other ccc nervous. But this savings interest looks so good! I haven't seen anything like that in a while! And the checkin account yields the same if you just set up a monthly deposit. Cool!

I'm getting weak... Although I fully expect to end up with a crappy CL once again, even with Alliant.

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hehe i am on the same boat i am waiting for the statement to update, hopefully when my util drops from 24% to 1% i will hit the 700 club and i can apply for Alliant

[Anonymous]

I'm hopeless. I couldn't resist and applied. Now I have to send in that signature card.

[Itsmeagain]

This thread is giving me a headache . . . . 

On March 25 I applied with Alliant and was denied because they said Homeland Security required that I have a single address when in fact, I live in an extended stay hotel (and have since 2003).  After several attempts to resolve the issue, including having the manager write a letter, certifying my tenure here, they finally said that if I would get one of my children to write them a letter, saying they knew me, they would let me in. 

Of course I said no and asked to have the application cancelled.  But, after reading all the great things about this CU I decided yesterday to give it one last try.  So, I called and got a really nice CSR who ressurected my application and told me they had decided that if I could produce a utility bill to that address, they would approve me. Yesterday I bellied up to the bar, gathered the information and sent them a cell phone bill that does come to my street address instead of my PO Box.

LET ME IN, IT'S-ME-AGAIN . . . . 

[Anonymous]

Finally, today I was able to use Skybranch, because the PIN of my debit card arrived. My accounts were all there, and I could see that the new credit card is not a mirage . Let's see when this one will show up.

Just one question, though it doesn't relate to the credit card: My main reason to apply with Alliant was their savings account. Did anyone of you push in a larger sum from an account at a different bank, and did that work okay?

[Anonymous]

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@Anonymous wrote:

Finally, today I was able to use Skybranch, because the PIN of my debit card arrived. My accounts were all there, and I could see that the new credit card is not a mirage . Let's see when this one will show up.

Just one question, though it doesn't relate to the credit card: My main reason to apply with Alliant was their savings account. Did anyone of you push in a larger sum from an account at a different bank, and did that work okay?

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i dont see why there would be a problem i am not sure i just joined to AWSOME CU  

[Anonymous]

Not sure if this is what you're asking but, the site is set up to pull money in from other bank accounts which is what i did.

[Anonymous]

I should probably clarify: For the pull option from Alliant, the initial limit was $1,000, which doesn't cut it. I heard of a general $10,000 limit per day. As I want to move my emergency savings over to Alliant, I would like to do it in one move. That's why I asked whether ACH pushs are limited, too.

[Anonymous]

What is the nature of this concern that some people have over the CCC's of their already existing accounts getting nervous if you suddenly got a card from a CU? That they might raise their rates, cut your credit limits, etc? Or is it too many cards too soon that might make them figure you're about to pull an all around binge with full intent on defaulting on it all? Or that it's a question of competition between institutions? Has anyone reported any negative behavior from CCC's afterwards? Please state your circumstances that may give you cause for such concern.

[Anonymous]

I had transferred about $30k into my Alliant acount and did have to do it in $10k increments. It's pretty painless though. I like using their site.