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AmericaFirst CU - Strange “pre-approval”

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Jeffster1
Valued Contributor

AmericaFirst CU - Strange “pre-approval”

I just received an email from Experian with a strange pre-approval link through something called Union Credit. It leads me to a pre-approval for two cards from a credit union called AmericaFirst. It actually says that I am already approved. 

The regular Platinum Visa comes with a limit of $30K and APR of 12.24%. The rewards Visa comes with a CL of $5,999 and an APR of 15.74%. 

It's all really odd because it says I am already approved. Just have to decide which card. I'm really not interested but my curiosity is somewhat peaked. I've gotten plenty of pre-approvals but can't remember one where it said I was already approved. 

 

I've never heard of this CU. There are only a couple references on here to it. 

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FICO 8 EX 829 EQ 824 TU 844

Current lineup as of 9/24
American Express Blue Cash Everyday 20K | American Express Blue Cash Preferred 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 5K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One QS MC 11K I NFCU Flagship Rewards Visa 25K I NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 14K I Bread Financial American Express 10.5K I AAA Daily Advantage Visa Signature 8.5K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I
Message 1 of 9
8 REPLIES 8
Patient957
Regular Contributor

Re: AmericaFirst CU - Strange pre-approval

"Don't worry, this won't hurt one bit."

Message 2 of 9
Jeffster1
Valued Contributor

Re: AmericaFirst CU - Strange pre-approval


@Patient957 wrote:

"Don't worry, this won't hurt one bit."


🤣🤣🤣🤣

FICO 8 EX 829 EQ 824 TU 844

Current lineup as of 9/24
American Express Blue Cash Everyday 20K | American Express Blue Cash Preferred 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 5K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One QS MC 11K I NFCU Flagship Rewards Visa 25K I NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 14K I Bread Financial American Express 10.5K I AAA Daily Advantage Visa Signature 8.5K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I
Message 3 of 9
GZG
Valued Contributor

Re: AmericaFirst CU - Strange pre-approval


@Jeffster1 wrote:

I just received an email from Experian with a strange pre-approval link through something called Union Credit. It leads me to a pre-approval for two cards from a credit union called AmericaFirst. It actually says that I am already approved. 

The regular Platinum Visa comes with a limit of $30K and APR of 12.24%. The rewards Visa comes with a CL of $5,999 and an APR 15,74%. 

It's all really odd because it says I am already approved. Just have to decide which card. I'm really not interested but my curiosity is somewhat peaked.

 

I've never heard of this CU. There are only a couple references on here to it. 


 union credit is the intermediary that allows CUs to plug in their underwriting and offer instant credit approvals and it's what redstone and jovia? used to use to offer the SP cc pre-approved offers through this looking interface:

 

image.png

 

image.png

 

I get similar offers on/off for $20k through Teachers FCU through Experian through Union Credit, but based on this, I have no intention of touching them with a 10ft pole, but cool to see nonetheless.

 

through the above interfaces, all I did was fill out some basic info and my cards went to printing pretty much immediately. Can't say how it will go if you have to also be approved for membership with the CU as well, but hopefully just as seamless and hopefully also, no HP. 

both Redstone and Jovia have moved on it seems from Union Credit, at least Redstone has and they've switched to using "Clutch" which is hot garbage, immediate HP, still same manual underwriting, bogus approval odds etc. 

Starting FICO 8:
Current FICO 8:


0/6, 3/12, 10/24
Message 4 of 9
Jeffster1
Valued Contributor

Re: AmericaFirst CU - Strange “pre-approval”

Thanks, @GZG . I appreciate the very informative response. I seem to remember an intermediary called MoveCU or something like that doing the same thing. 

Thanks for solving the mystery. I'm still intrigued why they would offer me one approval for 30K  or one for 5999 LOL

FICO 8 EX 829 EQ 824 TU 844

Current lineup as of 9/24
American Express Blue Cash Everyday 20K | American Express Blue Cash Preferred 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 5K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One QS MC 11K I NFCU Flagship Rewards Visa 25K I NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 14K I Bread Financial American Express 10.5K I AAA Daily Advantage Visa Signature 8.5K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I
Message 5 of 9
GZG
Valued Contributor

Re: AmericaFirst CU - Strange “pre-approval”


@Jeffster1 wrote:

Thanks, @GZG . I appreciate the very informative response. I seem to remember an intermediary called MoveCU or something like that doing the same thing. 

Thanks for solving the mystery. I'm still intrigued why they would offer me one approval for 30K  or one for 5999 LOL


image.pngimage.png

 

got this email again at like noon, but my offers are already expired, they seem to ping pong back and forth between being up and not up for some reason

Starting FICO 8:
Current FICO 8:


0/6, 3/12, 10/24
Message 6 of 9
ptatohed
Valued Contributor

Re: AmericaFirst CU - Strange “pre-approval”

*piqued*

 

 

5% CB rotating: ;
Everyday 3% CB: ;
Everyday 5%: ;
Companion Card: ;
Everyday 2.2% CB: ;
Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo): ;
On my radar: ;
Still Waiting for an Invite: ;
No hope:
Message 7 of 9
sjt
Senior Contributor

Re: AmericaFirst CU - Strange “pre-approval”

I got the same offer as well. The offer I got also included a Visa from a local credit union which Im interested in. Im also wondering what the complete process is as well.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 8 of 9
Patient957
Regular Contributor

Re: AmericaFirst CU - Strange “pre-approval”


@ptatohed wrote:

*piqued*


peeked Smiley Very Happy

Message 9 of 9
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