@Marqedsade wrote:Anyone have recent experience with Langley and CC/Loans? They accepted my membership and I'm waiting on my email packet.
Inquiry sensitive?
POI for low limit CL less than 30000?
Quirks?
Thoughts in general on them or their products?
Thanks in advance!
I've been a member for about 7 years, find them to be an excellent, no-hassle institution.
I use checking and personal line of credit, both excellent.
Checking account has 2-day early direct deposit.
No they're not inquiry sensitive.
They've never asked me for proof of income.
Unlimited number of external accounts can be added, fast ACH transfers.
No quirks whatsoever.
@Marqedsade wrote:Thanks man. Im going to see what happens after I sign my membersip ppwk. RIght now according to this site, I am sitting at a Eq 769. with 8 inq.
Suggestions on what to app for? More looking to increase available credit, but, not looking for limits less than 9-10K. Any best practicies, @SouthJamaica ? Income at 95000. 10% util of 45000 CL total, student loans in deferrment (still attending), 1 recent unsecured 5000 loan with NFCU, 8 inq.
So what should I shoot for? Will they use the same HP for multiple products?
Thanks!
Sorry, I really have no knowledge about the process; haven't applied for anything with them in 7 years. I believe the maximum unsecured credit you can get with them is a total of $40k. If you're looking for Cash back I think the card to go for is the Signature Cash back card, if you're looking for lower interest the card is the Platinum Select.
