Holy moly I nearly dropped dead when he called saying he had an approval for up to a $10,000 starting limit! My annual income I put on the application was a little $40,000 so getting a limit >25% a little over 2 years after a bankruptcy is crazy to me! If I knew I was going to get that kind of an approval I would've apped for their Visa Signature card. Oh well. I may ask at some point if I can product change to it.
I live in Minnesota and just joined Idaho Central Credit Union (ICCU) a week ago from out of state after discovering that they aren't entirely geofenced.
ICCU (Idaho Central Credit Union) isn't entirely g... - myFICO® Forums - 6662542
I also have a Chapter 7 bankruptcy that was filed in September 2020 and discharged in December 2020. I was contemplating applyiong for a card with them down the road but said what the heck and went and ahead and tried anyways a day after getting approved for a Sams Club Mastercard. I was hoping to apply before my Sams Club started reporting but after I applied for the card with ICCU I pulled my Experian credit report and saw Synchrony was already reporting it, 1 day after approval. D'oh! I knew Synchrony reported fast but didn't think they were quite that fast. Oh well, it ended up not mattering.
Sam's Club Synchrony Mastercard Auto approved $250... - myFICO® Forums - 6662133
ICCU pulled Experian. My cards are in my signature. After apping I had a loan officer reach out to me via telephone and I had to provide a photo of my photo of my ID and two most recent paystubs for POI.
My credit cards are in my signature with their opening dates are in my signature. My utilization at the time of apping was 7%.
13 inquries in the past 2 years
2 of those in the past 12 months
0 in the last 6 months
Also after apping I figured I should've probably paid the balances off on my cards that are reporting with 7% utilization and waited for them to report lower before apping, but it ended up not mattering!
Very nice, congratulations on your approval!
congrats on the approval
Congrats on the approval!
Congrats on your Approval!
