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@Ron1 wrote:Thanks to NursePurse info. I decided to join Conusmer Credit Union membership. I wasn't going to apply for anything. I just wanted to open a savings. I filled out all the info and it came back to offer me $10,000 CL at 11.90% APR and savings. I didn't expect they were offering me any credit card's pre-approval. It is not really approved yet. It is pending for manual review. I uploaded my DL and e-sign the docs. I already told them to fund from my checking.
Here is the screen shot:
That is awesome! You're welcome and big congrats!!
@NursePurse wrote:
@Ron1 wrote:Thanks to NursePurse info. I decided to join Conusmer Credit Union membership. I wasn't going to apply for anything. I just wanted to open a savings. I filled out all the info and it came back to offer me $10,000 CL at 11.90% APR and savings. I didn't expect they were offering me any credit card's pre-approval. It is not really approved yet. It is pending for manual review. I uploaded my DL and e-sign the docs. I already told them to fund from my checking.
Here is the screen shot:
That is awesome! You're welcome and big congrats!!
Thanks!!!! I tried to figure out I was instabtly approved. Did they denied you the membership or the credit card? It wasn't so clear on your message.
Ron.
My Applications Check the status of your application(s) below. This was my denial (I couldn't figure out how to upload the actual page image. But it says they are processing my applications, but at the same time it all says declined. I just went back to the page through the email link they sent me and uploaded my drivers license jut for the heck of it. I suppose I could understand if they declined the cc app, but the membership and savings acct denial - I just don't understand. I have old 100% paid charge-offs/collections from Sallie Mae but thats the only bad thing on my credit reports, utilization is at 2%, maybe all of the new cc's over the last few months?
Submitted Applications
We are processing your applications. We will notify you once we are done.
COMPLETED APPLICATIONS
Membership Status: Declined
Visa Signature Credit Card Status: Declined
Share Savings Status: Declined
Other Information Please click the "Show other information" link to view completed applications, agreements, disclosures and uploaded documents. Show other informationUpload Supporting Documents
Nurse,
I helped a family member re-establish with Consumers 2 weeks ago, and they stated they couldnt open checking or savings if you have any negative Chex System entries.
Have you checked this?
Yes, The only thing on my chexsystems is my pnc
@firetech593 wrote:Nurse,
I helped a family member re-establish with Consumers 2 weeks ago, and they stated they couldnt open checking or savings if you have any negative Chex System entries.
Have you checked this?
Yes, The only thing on my chexsystems is my pnc bank account I opened last year. I had 2 inq on TU (both from NFCU, maybe they saw that and didn't like it?). And maybe quite a few more recent on equifax lol
@NursePurse wrote:Yes, The only thing on my chexsystems is my pnc
@firetech593 wrote:Nurse,
I helped a family member re-establish with Consumers 2 weeks ago, and they stated they couldnt open checking or savings if you have any negative Chex System entries.
Have you checked this?
Yes, The only thing on my chexsystems is my pnc bank account I opened last year
Is it negative?
@NursePurse wrote:My Applications Check the status of your application(s) below. This was my denial (I couldn't figure out how to upload the actual page image. But it says they are processing my applications. I suppose I could understand if they declined the cc app, but the membership and savings acct denial - I just don't understand. I have old 100% paid charge-offs/collections from Sallie Mae but thats the only bad thing on my credit reports, utilization is at 2%, maybe all of the new cc's over the last few months?
Submitted Applications
We are processing your applications. We will notify you once we are done.
COMPLETED APPLICATIONS
Membership Status: Declined
Visa Signature Credit Card Status: Declined
Share Savings Status: Declined
Other Information Please click the "Show other information" link to view completed applications, agreements, disclosures and uploaded documents. Show other informationUpload Supporting Documents
Sorry to hear. They denied you on the spot. Did they pull TU for credit card?
Mine said:
Membership: Under Review.
Sharing Savings: Under Review.
Visa Signature Card: Under Review.
Did they ask you the security question and upload the scan image of your DL?
Ron.
@Ron1 wrote:
@NursePurse wrote:My Applications Check the status of your application(s) below. This was my denial (I couldn't figure out how to upload the actual page image. But it says they are processing my applications. I suppose I could understand if they declined the cc app, but the membership and savings acct denial - I just don't understand. I have old 100% paid charge-offs/collections from Sallie Mae but thats the only bad thing on my credit reports, utilization is at 2%, maybe all of the new cc's over the last few months?
Submitted Applications
We are processing your applications. We will notify you once we are done.
COMPLETED APPLICATIONS
Membership Status: Declined
Visa Signature Credit Card Status: Declined
Share Savings Status: Declined
Other Information Please click the "Show other information" link to view completed applications, agreements, disclosures and uploaded documents. Show other informationUpload Supporting Documents
Sorry to hear. They denied you on the spot. Did they pull TU for credit card?
Mine said:
Membership: Under Review.
Sharing Savings: Under Review.
Visa Signature Card: Under Review.
Ron.
Yes, hp on TU and then the sp on equifax (for membership)
@firetech593 wrote:
@NursePurse wrote:Yes, The only thing on my chexsystems is my pnc
@firetech593 wrote:Nurse,
I helped a family member re-establish with Consumers 2 weeks ago, and they stated they couldnt open checking or savings if you have any negative Chex System entries.
Have you checked this?
Yes, The only thing on my chexsystems is my pnc bank account I opened last year
Is it negative?
Not negative, it was just from me opening the pnc account. I suppose pnc uses chexystems for checking/savings, but there's def nothing other than pnc on my chexsystems