Signature FCU Visa Signature & LOC

[Anonymous]

So I have been trying to research a lot of DP for SignatureFCU and couldn't really see good information. Became a member last week and decided to apply for Visa 2% and LOC. asked me what amount for both. Maxed the 25k for visa and 10k for LOC. one of the questions on the app were have u ever filed for bk in the last 7 years... of course put yes so after app it said pending... from what I reached and experienced with the membership application it will take a while. No rush I did not see a HP immediately. Current scores for equifax is high 600s so will update you guys on DP soon

[SouthJamaica]

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@Anonymous wrote:

So I have been trying to research a lot of DP for SignatureFCU and couldn't really see good information. Became a member last week and decided to apply for Visa 2% and LOC. asked me what amount for both. Maxed the 25k for visa and 10k for LOC. one of the questions on the app were have u ever filed for bk in the last 7 years... of course put yes so after app it said pending... from what I reached and experienced with the membership application it will take a while. No rush I did not see a HP immediately. Current scores for equifax is high 600s so will update you guys on DP soon

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Was there a hard pull for membership?

[woodyman100]

They do take sweet time. Good luck!

[gregorius]

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@woodyman100 wrote:

They do take sweet time. Good luck!

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You can say that again - I'm still waiting for them to process a CC app from last March!

[woodyman100]

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Signature-FCU-Updated-Upated-again/m-p/590586...

For your perusal

[woodyman100]

I decided to fish for data points. I apped 2 nights ago for the LOC from Signature. 
they called today and went over my report with me. Pulled EQ mortgage Fico 5.

Asked about the 11 inquiries over the last year and about a personal loan I have. 
Guy put me on hold and never came back to the phone. 
Denial showed up on the app an hour later 😂🤣

[FinStar]

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@woodyman100 wrote:

I decided to fish for data points. I apped 2 nights ago for the LOC from Signature. 
they called today and went over my report with me. Pulled EQ mortgage Fico 5.

Asked about the 11 inquiries over the last year and about a personal loan I have. 
Guy put me on hold and never came back to the phone. 
Denial showed up on the app an hour later 😂🤣

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@woodyman100  -  it was the hold/silence for me 😂😂

Although I haven't seen many DPs on this particular CU, I take it they're somewhat conservative? Or, is the LOC much difficult to qualify for?

[woodyman100]

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@FinStar wrote:

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@woodyman100 wrote:

I decided to fish for data points. I apped 2 nights ago for the LOC from Signature. 
they called today and went over my report with me. Pulled EQ mortgage Fico 5.

Asked about the 11 inquiries over the last year and about a personal loan I have. 
Guy put me on hold and never came back to the phone. 
Denial showed up on the app an hour later 😂🤣

---

@woodyman100  -  it was the hold/silence for me 😂😂

Although I haven't seen many DPs on this particular CU, I take it they're somewhat conservative? Or, is the LOC much difficult to qualify for?

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I honestly don't know. They did say my income was well into the qualification range. Mentioned the 100+ cards too. Asked me why I needed it and I politely said "I don't. Just want it". Guy was very polite until he ghosted me like a rabid prom date!

[FinStar]

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@woodyman100 wrote:

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@FinStar wrote:

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@woodyman100 wrote:

I decided to fish for data points. I apped 2 nights ago for the LOC from Signature. 
they called today and went over my report with me. Pulled EQ mortgage Fico 5.

Asked about the 11 inquiries over the last year and about a personal loan I have. 
Guy put me on hold and never came back to the phone. 
Denial showed up on the app an hour later 😂🤣

---

@woodyman100  -  it was the hold/silence for me 😂😂

Although I haven't seen many DPs on this particular CU, I take it they're somewhat conservative? Or, is the LOC much difficult to qualify for?

---

I honestly don't know. They did say my income was well into the qualification range. Mentioned the 100+ cards too. Asked me why I needed it and I politely said "I don't. Just want it". Guy was very polite until he ghosted me like a rabid prom date!

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Best comment on the interwebz today 😂😂

Hey, at least you were honest! Some individuals tend to clutch their pearls when asked that very particular question.