Consumers Credit Union CC question

[ddemari]

I have been looking for a reasonable credit union for a long time. PenFed too strict, I don't qualify for USAA or any of the other DCFU types out. Allegacy credit union is hard to deal with and Alliant is hard to deal with. So i took a shot with consumers, they are here in Illinois. I joined and was preapporved for a checking, share account, visa platinum, visa signature, and like 3 other visas. Well I wanted a vanialla visa with a decent apr. I went through the verification, uploaded my ID and this is the result I receieved. It is sayings my accounts are pending but the Visa says $10,000k at 13.75%... which from experience with other CC's an apr is a good sign that its an approval. 

Just wonderig if anyone else have experience with this and the outcome? 

[Anonymous]

I don't have an experience with this CU but it certainly looks like an approval to me.  A lot of CUs still say 'under review' after an approval because an underwriter will take a look and could change the terms or even the approval.  This rarely happens so I'm pretty sure that you'll be fine.  Congrats

[ddemari]

Thanks! They pulled Tu for me. My TU fico has dipped a little but today's new report has me at 718. 

Lots of new accounts though but utilization at 13% and no negatives on CR. I was shocked when they gave me the preapproved offers, there were like 6 cards! usually i get the share account and thats it! So I am excited to see what happens. 

[Anonymous]

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@ddemari wrote:

Thanks! They pulled Tu for me. My TU fico has dipped a little but today's new report has me at 718. 

Lots of new accounts though but utilization at 13% and no negatives on CR. I was shocked when they gave me the preapproved offers, there were like 6 cards! usually i get the share account and thats it! So I am excited to see what happens. 

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Yeah you'll be fine.  That's fantastic that they show preapproved offers.  Did they pull TU for membership or just when you applied for the card?

[ddemari]

When you hit join as a new memeber. The application asks address, employment, net monthly salary, full social security number, mothers maiden name, etc. as soon as i hit submit, I receieved a TU instant alert. 

The next page showed me all my options/ prepprovals and funding options. 

[baller4life]

Hmmm interesting!!

[ddemari]

The interesting thing is the application says we are going to pull information from your Equifax credit report but I got the immediate Tu alert. I will check equifax monitoring shortly to see if they double pulled me. 

[ddemari]

Fingers crossed! 

[austinguy907]

EQ should be a SP for ID verification.

TU will be the one for the CC or any loans. 

I've had a share and CC with them for a few years.  I think post opening 1 year anniversary they did a auto CLI and since then I called / e-mailed for increase which were HP's.  I rarely use the card but, initially approved for 10K and now it's up to 17K.

[ddemari]

Visa Platinun - Declined