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Quango
Quango

I tried again today and it said I was approved. However, I didn’t receive any information on my account or membership number. How did it work for others?

Radster
Radster

I applied 7/20. Can confirm no HP

Pang
Pang

applied yesterday and not instant approval. called in today, first call asked me to wait for 48 biz hours but shortly after that received email requested DL and utility bill for proof of address. Uploaded them and call again. approved.
used BBVA cc to fund the 250. will report back if they coded as purchase next week.

Nick
Nick

Hi Pang, can you confirm that you didn’t get a hard pull on your credit?

Nick
Nick

was it a hard pull?

Radster
Radster

I applied 7/20. Can confirm no HP.

Nick
Nick

nice, thanks

Pang
Pang

don’t see a HP so far. i think it’s good to go .

Baked
Baked

Pang Hey Pang, how did the BBVA cc card code ? Do you have a Select or a diff bbva card ?

Pang
Pang

the online activities didn’t really say which one it is. so, i m quite confused. i will assume it’s purchase? but i m not 100% sure using their online banking page. @Baked, do you know how to differentiate them on BBVA web page??

Baked
Baked

Pang So I’ve a BBVA Select card. the regular purchases (or anything that codes as a regular purchase) shows up when you click on your credit card account, then under “Posted Transactions” and not elsewhere, like cash advances.

The key point here is: do you have ANY unexpected charges and/or fees on your BBVA card account? (If you were to add up all your outstanding purchases, would they be same total amount as shown in “Current Balance”?)

Really appreciate you checking and responding. Thanks.

Pang
Pang

Baked if the cash advanced is not showing at the rest of the purchases list, then the charges should be purchases then.

Pang
Pang

oh, yes, it is a BBVA select card

Davis
Davis

Denied due to out of area. Had them resubmit because I am in area. Then denied due to Chex. At:

Past 36 months: 26
Past 30 months: 25
Past 24 months: 25
Past 18 months: 23
Past 12 months: 23
Past 06 months: 20
Past 03 months: 18
Past 01 months: 05

channelz28
channelz28

DP: Discover posted as a direct deposit.

choose fi
choose fi

Was it Discover savings?

Arthur
Arthur

CC funding DP:

Chase Ink Unlimited coded as purchase. haven’t seen a hard pull so far but will report back if otherwise.

Vic
Vic

CC funding DP:

Citi Double Cash coded as Purchase.
BofA Premium coded as Purchase.
(The amount was $250 with $5 savings and $245 checking.)

William Charles Chuck Consider adding these to the cc funding DP post.

Cbreeze
Cbreeze

Was it a Hard Pull for you?

Vic
Vic

I didn’t receive any notification from Experian and CK, so I suppose not, but I didn’t log in to check.

anthonyjh21
anthonyjh21

Wife was instantly approved, I was not. I handle all bank bonuses and always operate in two player mode so our chexsystems look similar. Without looking it up I know we’re pretty active, 6+ a year each. I may have a few more than her if it’s for example a one per household offer.

I waited two days and then called in. Was told I was receiving a letter in the mail stating the reason for denial. I asked if there was anyone available to request reconsideration. She put me on hold and asked me why I have recent applications at other institutions if I’m applying for their credit union. I just politely said that I have both B&M banks and online exclusive banks and that I’m wanting to find value in an online banking experience that also has a branch nearby and isn’t one of the big banks. She put me on hold, came back and said they were able to approve me but needed to submit my SSN card. It did take about half an hour but she was friendly.

I got an email requesting documentation and just submitted it. We’ll see, but looks like I was able to talk myself into approval. That said, safe to say that they are inquiry sensitive but it still may be worth calling in.

Baked
Baked

anthonyjh21 very well done, congrats. You’re a cool customer. Are you local/in-state or OOS ?

anthonyjh21
anthonyjh21

Solano County so I’m within their footprint, although the nearest branch is about 45 min away.

Quango
Quango

What number did you call? Hoping to recon as well

Quango
Quango

Called the number on the letter. The back office wouldn’t overturn the decision. You must have done some magic xD FWIW I’m around 13/12 in Chex

anthonyjh21
anthonyjh21

I don’t remember which number I called but they had to put me on hold many times while relaying information between departments. Maybe worth trying again if your Chex drops? Or get lucky like I did.

Quango
Quango

Thank you for your application. A SAFE Representative will contact you shortly with additional details regarding your request. If you have any questions or need additional information regarding the status of your application, please contact us at (800) 733-7233.

anthonyjh21
anthonyjh21

Yeah I’m not sure what to think yet because I received the same message as you, however I applied for my wife right after and she was instantly approved. Hoping it’s just wanting proof of residency or something of that nature. I did upload my ID during the application process.

Quango
Quango

I was denied due to Chex 😐

Vic
Vic

As of July 20th, 2020, the available county list is the following:
Alameda, Amador, Butte, Contra Costa, El Dorado, Nevada, Placer, San Joaquin, Sacramento, Solano, Sutter, Yolo, Yuba.

(this is from the 1st page of the account opening process, for those who didn’t click into the link.)