Alliant CU is good cu. I think you can get in if you have baddies. They pulled hard from EQ to join. You make sure you have no negative from Chexsystem. They used to give out pre-approval when joining. I got $10k Visa Platinum.
Re-Alliant, after I opened my account, I inquired about the pre-approvals. I was told they stopped doing them on account a few months before. At the time, I wasn't ready for another HP.