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Sly one
Sly one

Has anyone tried Citi double cash for the $5,000 cc funding?

Jody C
Jody C

Trying to join this CU is like pulling teeth. After a hard pull on my TransUnion report, they asked me identity questions regarding my niece, who I’m not very close to. Since I failed that check, I’m locked out of their membership indefinitely. My brother was able to get in, after he paid the membership fee.

Sexy_kitten7
Sexy_kitten7

I was “preapproved” immediately after applying but then they told me I was declined. Well I had already joined the CU based on the approval email. I will try to get this overturned. Bait and switch is an understatement.

Joshua
Joshua

I just opened a HELOC with them and I found it frustrating as hell in the communication department. The process is straight forward and they are pretty accommodating but when it comes to processing or having up front documentation requirements or getting back to you in a timely manner, they are horrible. They said I would close in 30 days, when it took 45 and they still did not have all the documentation prepared.

I also learned on the day that I closed my HELOC loan, using it will not be as straight forward as I had hoped. There is daily maximum withdrawal rate around $3,000 unless I go to the bank and ask for a cashier’s check. That’s a pain in the butt handling home repairs and upgrades.

The ROI on this credit card can be amazing but I wouldn’t use the points for a statement of credit. You should instead use it to get a rate reduction on your auto loan.

Larry
Larry

Highly chex sensitive and have to jump through hoops.

Jeremy
Jeremy

I was approved but they just emailed me saying they are closing my account due to “identity could not be verified” WTF kind of BS is this?

ieatdogfood
ieatdogfood

Did you get a HP? Maybe you should call recon.

Jeremy
Jeremy

Yes, I’m still in the online banking even and see my $5,000 deposit there from CC funding. Don’t see the credit card though it did say approved when I submitted it. Will call tomorrow.

Dick Bupkiss
Dick Bupkiss

I have a couple friends who also fell into their “identity can’t be verified” hole.” They tried contacting them and there was nothing they could do to get past that. They were pretty pissed off.

Jeremy
Jeremy

Would filing a CFPB complaint do anything? Adverse action from lying about a denial reason?

Dick Bupkiss
Dick Bupkiss

LOL, you’re serious? Of course, completely useless – you’re going to appeal to a federal agency because you got a hard pull (which is exactly what you had asked for)> Come on, be rational. Besides, it’s not worth all the trouble. Bigger fish to fry.

You can’t force any business to do business with you (unless you are a member of a protected class and can prove discrimination, neither of which applies here). If you fail their quirky identity check (it’s happened to me elsewhere), shrug, chalk it up, and move on.

adam d
adam d

90% of time cfpb works. got my bonus from bmo because of cfpb intervening. takes 5mins to file a complaint, go for it.

Jeremy
Jeremy

Update: Spoke to them and they approved me now. They did make give them 1 month of paystubs.

anthonyjh21
anthonyjh21

I already have their debit cash back checking and the 5% card so I may bite.

I will say this though, you have to be willing to jump through hoops to get approved. I remember having to make 3 calls and even send over a copy of our taxes. They are friendly, but they do their homework.

Jay - ⒿⒶⓨ 🙈 🙉 🙊
Jay - ⒿⒶⓨ 🙈 🙉 🙊

anthonyjh21 Are you sure you are talking about the same Credit Union?
Cause I also recently got the 5% CC and the cash back checking, but its from https://www.affinityfcu.com/locations/index.aspx . And they are only located in NY/NJ/CT, and not in MN like the one referenced here…

anthonyjh21
anthonyjh21

Oops! Thanks for catching that. Yeah I’m referring to Affinity Credit Union. I’m in California for what it’s worth.

parkdanil

Sounds like an acceptable offer to me considering the extra cashback from CC spend to open. It also looks like the give a discount on GC’s if you redeem your points for more than a $50 card. A $100 GC redemption gets 7.5% discount in points. The savings account also provides a 5k point bonus if you make 2 direct deposits in first 60 days. The CC has no BT fee’s and the starting credit line is $5k.

B-hama Breezer
B-hama Breezer

Is this “5k point bonus if you make 2 direct deposits in the first 60 days” for the savings account published somewhere? Is it only explained once you open the account?

Dick Bupkiss
Dick Bupkiss

I’ve been a member of this credit union for years. IME they are HIGHLY Chex sensitive, and after the hoop-jumping I’ve never found their points worth bothering with (I probably have a good pile of them after all these years). It’s just a friendly little credit union, nothing special, and I wouldn’t cross the street for a large bag of their points.

Matthew
Matthew

Any datapoints on Chexsystems sensitivity?