Alliant Visa Signature

Anonymous · ‎12-03-2018

I just joined Alliant to try apping for their Visa Signature before I go into the garden for real! I'm not interested in the checking account or anything, but I was wondering if they would send out pre-approvals or show pre-qual if I just wait it out.

Does anyone know how they function?

Also, does anyone know which bureau they usually pull?

RonM21 · ‎12-03-2018

Op, when I got Alliant 2 1/2 years ago, I almost sure they pulled Transunion. They also HP for CLI and that was Transunion as well. I don't recall anything with preapprovals though, but don't take me at my word because I may be forgetting. I joined, then did the app for the card.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Viva-LV · ‎12-03-2018

In NV, they pulled EQ. I had joined the cu first, apped a week later. Just the cc, no checking, just a $5 savings acct. Score was 755 at the time, $15k sl.

Anonymous · ‎12-03-2018

In CA they pull transunion. Also for that card they ask for w2 just did cc

Anonymous · ‎12-03-2018

Viva-LV...👏Nice SL.

CramEiko · ‎12-03-2018

I have a family member that used Alliant for the 3% and said that they were too slow. For anyone interested, Alliant wont go over a $50k Credit Limit even with all the supplied docs.

Updated Feb 2023:
Citi Double Cash: $26,300
Citi Costco: $33,800
PenFed Power Cash: $50,000
Chase Freedom Unlimited: $33,400
NFCU Cash Rewards: $29,000
BoA Unlimited Cash: $99,900
Wells Fargo Active Cash: $50,000
Citi AAdvantage Executive: $30,500
Wells Fargo Mortgage 30yr fixed 3.625%

Business Cards:
BoA Business Advantage Unlimited Cash: $8,000
Chase Ink Business Unlimited: $75,000
Chase Ink Business Unlimited: $75,000

RIP: EECU PLOC | BBVA PLOC | Chase SP | Chase Amazon | Chase Freedom | WF Propel | Cap1 QS | AMEX Gold | BoA Custom Cash | Lowes | Barclays Aviator Red

Anonymous · ‎12-10-2018

Transunion for me. This is one of the most difficult CC's to get -- they can be extremely picky requiring excellent credit and requires income documentation in many cases (they even claim they are looking for 50+K/year in spend). The application is like filling out a loan app. That said it's a fantastic 3/2.5% card with no foreign transaction fees and one of my "go tos". Also a great credit union in its own right with highly competitive savings/checking.

Blodreina · ‎02-13-2019

@CramEiko wrote:
I have a family member that used Alliant for the 3% and said that they were too slow. For anyone interested, Alliant wont go over a $50k Credit Limit even with all the supplied docs.

Anyone know what this means? "Too slow"?

Anonymous · ‎02-13-2019

I don’t know what that means, but the rewards are in there each month as the statement cuts and transfer to savings or checking as fast as anyone else. I think you might need alliant checking account, I may be wrong. Yes it’s like filling out a loan app and I had to send income. Good card if you spend 12600 or more it comes out ahead a 2%. Their website isn’t the most modern but better than some I’ve seen like the capital one buy power.

Anonymous · ‎02-13-2019

I am also ready to step out of the garden for this one. I opened a savings account with $10K, helps that they have a 2.1% interest rate. In doing my research and looking for DPs, I have notice a lot of people think they can get a 50K CL? I think that is a misundertanding, it looks to me like they are looking for people to run 50K/yr of spending thru it. I wont run quite that much thru it, maybe half, hoping to get approved anyway. I am hoping to score a card. My DTI is 2% and my credit scores are over 800. Wish me luck.