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My Local CU is ticking me off

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Jnbmom
Credit Mentor

My Local CU is ticking me off

I have had this local CU for years never had an issue . I got a decent balance transfer from USAA. So I used it deposited 8K on 10/03/24 now I know sometimes they put a hold that  is fine but this amount showed in my available credit on  10/04/2024. I even get texts everyday with my current available credit and it showed . This morning I checked my balance and now it's gone from my balance. I messaged them and they said there is a hold, ok but never got anything to that effect. Then magically a letter appeared on my documents AFTER I contacted them , Doubt of collectibility 😳I have plenty of other accounts, I may be switching my main banking this doesn't sit well with me . End of rant IMG_5119.jpeg

 

EXP 780 EQ 796 TU 810
Message 1 of 5
4 REPLIES 4
SouthJamaica
Mega Contributor

Re: My Local CU is ticking me off

Wouldn't sit well with me either.

 

But don't overreact. It's just a hold, and will probably be gone shortly.

 

Balance transfer checks sometimes get that kind of treatment.


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




Message 2 of 5
Jnbmom
Credit Mentor

Re: My Local CU is ticking me off


@SouthJamaica wrote:

Wouldn't sit well with me either.

 

But don't overreact. It's just a hold, and will probably be gone shortly.

 

Balance transfer checks sometimes get that kind of treatment.


Yes I know from past experience BT usually have a hold however don't show it as available then take it off then magically sent a letter AFTER I inquire 

EXP 780 EQ 796 TU 810
Message 3 of 5
SouthJamaica
Mega Contributor

Re: My Local CU is ticking me off


@Jnbmom wrote:

@SouthJamaica wrote:

Wouldn't sit well with me either.

 

But don't overreact. It's just a hold, and will probably be gone shortly.

 

Balance transfer checks sometimes get that kind of treatment.


Yes I know from past experience BT usually have a hold however don't show it as available then take it off then magically sent a letter AFTER I inquire 


True dat.


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




Message 4 of 5
Guyatthebeach
Valued Contributor

Re: My Local CU is ticking me off

@Jnbmom,

 

I would be a little aggravated too. I'm surprised the CU didn't put a 5 day hold on it when the check was originally deposited. 

Hopefully that check clears in a few days!

 

Guyatthebeach

Message 5 of 5
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