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Langley PLOC Approved

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Creditplz
Valued Contributor

Langley PLOC Approved

9DBB1D24-0AE8-4B39-9402-8D535543D73D.jpeg

Approved for 10k @lowest rate... called langley and said 10k wasn't much and I can't really utilize it.. asked for 20k they countered at 15k. It's already funded! 

Message 1 of 11
10 REPLIES 10
SouthJamaica
Mega Contributor

Re: Langley PLOC Approved


@Creditplz wrote:

9DBB1D24-0AE8-4B39-9402-8D535543D73D.jpeg

Approved for 10k @lowest rate... called langley and said 10k wasn't much and I can't really utilize it.. asked for 20k they countered at 15k. It's already funded! 


Great.  I have a Langley PLOC myself, and find it very useful.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 2 of 11
Creditplz
Valued Contributor

Re: Langley PLOC Approved

It's slowly growing to be my favorite CU! Although First Tech Fed is still my favorite haha 

Message 3 of 11
SouthJamaica
Mega Contributor

Re: Langley PLOC Approved


@Creditplz wrote:

It's slowly growing to be my favorite CU! Although First Tech Fed is still my favorite haha 


Langley is one of my mainstays.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 4 of 11
gingerflower
Senior Contributor

Re: Langley PLOC Approved

Congratulations!

Message 5 of 11
Creditwiser
Valued Contributor

Re: Langley PLOC Approved

Congrats on your PLOC approval !

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 6 of 11
Great_Things_Ahead
Regular Contributor

Re: Langley PLOC Approved

        Hi,

Congratulations on your approval! I was wondering if you don’t mind sharing , was your application online and an instant approval or was it done via telephone? How long did it take to finalize? Thanks in advance Smiley Happy

Message 7 of 11
FireMedic1
Community Leader
Mega Contributor

Re: Langley PLOC Approved

Congrats but confused. You get a PLOC but:

"they will only finance up to their MSRP, the rest must be paid in the form of a down payment, so Pista is 559, MSRP 362, so I need to pay a down payment of 197k to the dealer before TTL"

You have money from all your cars you go thru. Why get the PLOC?



BK Free Aug25
Message 8 of 11
Creditplz
Valued Contributor

Re: Langley PLOC Approved

@FireMedic1 hahahaha I have an addiction to applying! Even when I get a approval at 10-20k it's not much but I like the new cards! And the points Smiley Happy

My TCL is still lower then my annual income! Trying to change that with every application! 

Message 9 of 11
Creditplz
Valued Contributor

Re: Langley PLOC Approved

@Great_Things_Ahead i applied online, after 24-48 hours (UW has been busy the lady said), I just called and they said it was approved and the lady asked me to sign the docusign while she was on the phone! 

they needed POI, but since I had a CLI with them a few days before and already sent it in for that they just bypassed it 

Message 10 of 11
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