Credit Union credit cards

[Anonymous]

I don't have a weak file. TU shows no derogs and nothing but perfect pmt history. Util is 12% and aaoa is 4 yrs.

[FroggieMom]

I didn't mean to offend by calling it a weak file.   I was only trying to give a "possible" reason for the denial is all.

[Anonymous]

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@FroggieMom wrote:

I didn't mean to offend by calling it a weak file.   I was only trying to give a "possible" reason for the denial is all.

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It's all good, no offense taken 😁 They gave me the reasons for denial. Util is too high compared to income. That's not the case now and I wanted to show that. They may still deny me but at least I know it's a true denial and not based on old information. 

[Anonymous]

@Froggie what was your FICO 08 TU score when you got the $15K CC with RBFCU and did you ever have car or mortgage loans or business relationships with them?

[Anonymous]

Have you tried PenFed?  I joined with them last week and have been given a Promise Visa ($6500 at 10.24%) and a Travel Rewards Amex ($5500 at 10.24%).  They pulled EQ and I already had 12 inquiries.  Definitely worth a shot!

[Anonymous]

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@Anonymous wrote:

Have you tried PenFed?  I joined with them last week and have been given a Promise Visa ($6500 at 10.24%) and a Travel Rewards Amex ($5500 at 10.24%).  They pulled EQ and I already had 12 inquiries.  Definitely worth a shot!

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Haven't tried PenFed. Don't you have to be a member?  Anyway, my Eq is 604, doubt they'd give me anything and if they do, it'd be a tiny SL. 

[ScoreOrBeScored]

I agree Texas mommy..

[Anonymous]

@Anonymous wrote:

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@Anonymous wrote:

Have you tried PenFed?  I joined with them last week and have been given a Promise Visa ($6500 at 10.24%) and a Travel Rewards Amex ($5500 at 10.24%).  They pulled EQ and I already had 12 inquiries.  Definitely worth a shot!

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Haven't tried PenFed. Don't you have to be a member?  Anyway, my Eq is 604, doubt they'd give me anything and if they do, it'd be a tiny SL. 

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Yes, you do have to be a member, but it's a simple one time donation to one of the charities of their choice along with $5 to open a savings account to officially become a member of the CU.  I agree with you regarding the tiny SL with a lower EQ score.  Mine was around 740 when I apped.