Langley FCU LOC 30K Approved :)

[Mahraja]

Thanks Rem,CC,GM it was so nice and easy to deal with them.i would highly suggest to all friends try them out AJC was the main reason for me to join Langley ... no chex pull only single HP to Eqfx which is not a big deal for sure ..

[Anonymous]

Congrats Raj ... that was a short retirement.

[Anonymous]

 Hi Raj,AJC,

I opened a langley account and they pulled EQ.

I called for PLOC and the CSR told me that they will have to pull credit again for credit cards/PLOC..

Is that correct?

[SouthJamaica]

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@Mahraja wrote:

Thanks Rem,CC,GM it was so nice and easy to deal with them.i would highly suggest to all friends try them out AJC was the main reason for me to join Langley ... no chex pull only single HP to Eqfx which is not a big deal for sure ..

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Agreed. I like them too. Recently they added a cash advance fee and balance transfer fee to their platinum card, rendering it useless for me, so I asked them to transfer its 30k limit to my 10k PLOC, and they did it 1-2-3. Since it's an overdraft line of credit, it's quite a convenience. And the 9.5% interest rate is fair in my book.

[AverageJoesCredit]

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@Anonymous wrote:

 Hi Raj,AJC,

I opened a langley account and they pulled EQ.

I called for PLOC and the CSR told me that they will have to pull credit again for credit cards/PLOC..

Is that correct?

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Hi,  congrats on joining. It could be. Im not sure as when i joined i was able to use my originsl hp to get a credit card. When i applied for a second card, i was originally approved but told i could only have 1 credit card so i asked if i could use that hp for a LOC, which was approved. I understood the original pull was good for 30 days but perhsps it pertains to their credit cards and not their ploc?

[MansaMusa]

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@AverageJoesCredit wrote:

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@Anonymous wrote:

 Hi Raj,AJC,

I opened a langley account and they pulled EQ.

I called for PLOC and the CSR told me that they will have to pull credit again for credit cards/PLOC..

Is that correct?

---

Hi,  congrats on joining. It could be. Im not sure as when i joined i was able to use my originsl hp to get a credit card. When i applied for a second card, i was originally approved but told i could only have 1 credit card so i asked if i could use that hp for a LOC, which was approved. I understood the original pull was good for 30 days but perhsps it pertains to their credit cards and not their ploc?

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I just finished opening my Langley account and was also told by the rep that any applications for credit cards or loans would be a separate hard pull. This is disappointing if true. Has anyone confirmed this at this point?

[Anonymous]

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@Mahraja wrote:

Thanks Rem,CC,GM it was so nice and easy to deal with them.i would highly suggest to all friends try them out AJC was the main reason for me to join Langley ... no chex pull only single HP to Eqfx which is not a big deal for sure ..

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ahem. just make sure you don't have a fraud alert on your report.  CSR told me it doesn't matter if you answer EVERY id question correctly, so long as that is on the profile, they WILL NOT open your account without seeing you in person.

Take a wild guess as to how I found that out.......