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Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid 700's)

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KnowledgeSeekr
New Contributor

Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid 700's)

Ideally looking to add 2 credit union cards to add with high limits ($20k+) & 2 high limit business credit cards to add. Needs to be no POI. Business 8yr old was used off an on, showing good income last 60 days, projected $100k/yr

Already with:

Personal: Navy, PenFed, NASA, Chase, Discover, Wells | Applied but asked for POI: PSECU, Alliant
Business: BofA, NIH, Wells, Waiting on Amex | Denied Chase Ink (inquiries), Marcus, Cap on Tap (appied 2 months ago)

FICO 8: EQ: 761, TU: 754, EX: 731 

INQ's: EQ: 3 TU: 3 EX: 10 (last 12 mo 5 from auto)
Recent Accounts: 2 (last 24 mo.)
Util. 21% AAoA: 5yr, 11mo.
AoOA: 16 yrs, 8 mo. AoYA: 2.5 mo

Located in AZ

Was looking at: 
Personal: SECU, Unify, Langley, Teachere, Consumers, BECU (may POI)
Busines: BMO Harris, US Bank (seems low SL), Patelco, BHG Financial, PayPal MC, Whyndham, Spectra, Interra, Banc of CA, Synovus, Randoph Brooks

Don't want to waste any HP's so appreciate any help!

Message 1 of 32
31 REPLIES 31
M_Smart007
Legendary Contributor

Re: Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid

Any specific reason .. as to why you do not want to provide POI?

Message 2 of 32
KnowledgeSeekr
New Contributor

Re: Help with app spree... best no POI credit unions with high limits & high limit biz CC's (mid


@M_Smart007 wrote:

Any specific reason .. as to why you do not want to provide POI?


As I mentioned above "Business 8yr old was used off an on, showing good income last 60 days", should have added "Only". Was involved in a partnership that ended up in a court battle for previous 4 years so just got this business back up and running full time this year. Last 2 years returns won't show enough income. 

Message 3 of 32
KnowledgeSeekr
New Contributor

Best Credit Union with High Limits that Pulls TU or EQ & No POI?

Looking to apply to a couple of credit unions to finish off my app spree. 750+ Fico TU & EQ. Already with Navy, PenFed & NIH. 

 Ideally looking for CU's that give out higher starting limits $20k+

Thanks in advance for the help!

 

 

Message 4 of 32
Lou-natic
Established Contributor

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

Dover FCU and they have a pre-qual. 2% cashback Mastercard and were giving out 20k limits like candy recently.




3/4/23



Message 5 of 32
bourgogne
Valued Contributor

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?


@Lou-natic wrote:

Dover FCU and they have a pre-qual. 2% cashback Mastercard and were giving out 20k limits like candy recently.


not to be a party pooper but I believe dover pulls ex and requires poi for cards and the prequal looks at debt on the first pass, meaning the prequals don't often line up w the reality.  as a possible alternative i got north of $20K, no poi and an EQ pull with DCU exactly a year ago.  I use the card for tolls and fuel in the EU, sort of an add on to a car refi I did.  they did not combine pulls and the card is not contactless.  easy to deal with cu imo.

edit:  if desired the card can hook onto the back of a checking account for overdraft, the % used to be 8.5 but is now 11.  no ftf and no cash advance fee.  if one wants to use the card at an atm it will not overdraft the checking acct, one must do a transfer which is instant.  there is a 7 day grace as well.  its a no frills decent card for what it is imo

Message 6 of 32
KnowledgeSeekr
New Contributor

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?


@KnowledgeSeekr wrote:

Looking to apply to a couple of credit unions to finish off my app spree. 750+ Fico TU & EQ. Already with Navy, PenFed & NIH. 

 Ideally looking for CU's that give out higher starting limits $20k+

Thanks in advance for the help!

 

 


Yeah I looked into them but it seems they often require POI according to a bunch of approvals in a few FB groups. 

Message 7 of 32
KnowledgeSeekr
New Contributor

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?


@bourgogne wrote:

@Lou-natic wrote:

Dover FCU and they have a pre-qual. 2% cashback Mastercard and were giving out 20k limits like candy recently.


not to be a party pooper but I believe dover pulls ex and requires poi for cards and the prequal looks at debt on the first pass, meaning the prequals don't often line up w the reality.  as a possible alternative i got north of $20K, no poi and an EQ pull with DCU exactly a year ago.  I use the card for tolls and fuel in the EU, sort of an add on to a car refi I did.  they did not combine pulls and the card is not contactless.  easy to deal with cu imo.

edit:  if desired the card can hook onto the back of a checking account for overdraft, the % used to be 8.5 but is now 11.  no ftf and no cash advance fee.  if one wants to use the card at an atm it will not overdraft the checking acct, one must do a transfer which is instant.  there is a 7 day grace as well.  its a no frills decent card for what it is imo


Thanks for the resopnse. When I was shopping for an autoloan they requested POI so to be clear they don't for their CC's?

Message 8 of 32
Remedios
Credit Mentor

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?

Just about all CUs can and will ask for POI. There is no way to tell if they will ask you or not.

 

Message 9 of 32
OmarGB9
Community Leader
Super Contributor

Re: Best Credit Union with High Limits that Pulls TU or EQ & No POI?


@KnowledgeSeekr wrote:

@bourgogne wrote:

@Lou-natic wrote:

Dover FCU and they have a pre-qual. 2% cashback Mastercard and were giving out 20k limits like candy recently.


not to be a party pooper but I believe dover pulls ex and requires poi for cards and the prequal looks at debt on the first pass, meaning the prequals don't often line up w the reality.  as a possible alternative i got north of $20K, no poi and an EQ pull with DCU exactly a year ago.  I use the card for tolls and fuel in the EU, sort of an add on to a car refi I did.  they did not combine pulls and the card is not contactless.  easy to deal with cu imo.

edit:  if desired the card can hook onto the back of a checking account for overdraft, the % used to be 8.5 but is now 11.  no ftf and no cash advance fee.  if one wants to use the card at an atm it will not overdraft the checking acct, one must do a transfer which is instant.  there is a 7 day grace as well.  its a no frills decent card for what it is imo


Thanks for the resopnse. When I was shopping for an autoloan they requested POI so to be clear they don't for their CC's?


They ask for POI on CCs. I have first-hand experience.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 32
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