- Green Member
- Posts: 4
- Joined: Fri Nov 15, 2013 9:35 am
- Location: NYC
Been lurking for a while and just thought I'd share my experience getting me some Beaver.
EQ 780 and 1 INQ in past year. App'd and got instant approval. CL is $20k and APR 9.99%. It isn't my highest limit, but close to it.
I didn't think I'd get an instant as I have a ton of open accounts and CL's almost double income, but there are no derogatories and utilization is under 2%. Oldest account is about 15 years and average about 4.
Wife applied with a 718 FICO and also got $20k, but 14.99% APR. She didn't get an instant approval, but card showed up about a week later -- one day after getting her score in the mail.
Hoping OCCU doesn't suffer from PMS like other lenders such as Barclays.