The Offer
- Wescom Credit Union is offering a bonus of $500 after $2,500 in spend within the first three months on the Bruin Edge Visa card
Card Details
- No annual fee
- Card earns at the following rates:
- 5 points per $1 spent on select UCLA Purchases
- 1.5 points per $1 spent
Our Verdict
This is obviously a huge bonus by itself, but Wescom also has a $250 checking bonus and you can get an additional $250 when you qualify for a loan product. It’s not clear if you could effectively stack that with this $500 bonus and get a total of $1,000. Either way just this bonus by itself is a great deal and we will add it to the best credit card bonuses. Obviously we have no idea how strict they are on approvals or any of that other information so please share your experiences in the comments below.
Hat tip to Vanson
got approved today for 15k limit with a 800 fico score and 62k reported income.
Do you have a mortgage?
I may have spoken too soon though. rep called me and asked if i have applied for any other accounts. i told her yes and she asked if any are credit. i told her no credit cards opened in the past 3 years… she wanted me to name the checking/savings accounts recently opened which have been about
7 in the past 6 months
can they rescind a CC approval? lol this CC is definitely chex sensitive which i wasn’t aware of
Applied today in person. (Website application unavailable. Couldn’t verify identity)
Went to underwriting.
Denied due to DTI ratio. 70% (1% CC, 69% due to mortgage and car pmt)
Would not let me use spouse’s income when calling for recon. Only income reported to me. Would’ve made DTI 36%. Yikes!
Wanted to share my DP of 2/24. Was originally rejected for the card despite 800+ credit. Proceeded with opening a checking and savings account anyways. A few months later, I was preapproved for the card and proceeded to successfully open with instant approval.
Do you have a mortgage by chance?
did not get immediate approval, do I call or wait for them to call me? what has the process been like? Comment section is spammed for referrals
You can search for DP’s like this one.
I recall calling helped me in one instance in the past my credit card application got stuck in limbo for 2 weeks and they approved me during the call but that was with a different bank, U.S. Bank (which I suppose receive tons of applications).
Schwab brokerage worked for DD for Signature Relationship Points. I opened in January and achieved 8 points today.
I guess I skipped over the Signature level and went straight to Platinum. Should I expect to get $50 and $100 in the coming days for the RAF bonus?
That’s great it worked for you, maybe I messed up the timing when I tried my two DDs from Schwab when I tried (needs to be “recurring”). The three bonus portions get paid out in the order of $50 (RAF) -> $50 (signature, 5-7 points) -> $100 (platinum, 8 points) and they could get paid out all at once if you reach platinum the first month 🙂
Hm, maybe… I did them with the same amount on the same weekday, two weeks apart, in the last week of January and second week of February. I also did TD at the end of February in case Schwab didn’t work.
Maybe this is what happened:
https://www.doctorofcredit.com/capital-one-300-checking-bonus/#comment-1987779
I noticed my first Schwab push was scheduled with a non-next-day transfer date (the system made me wait because I had just added the external account).
Can I get a referral please?
Mohd.zare at yahoo dot com
enter RAF on the application and the name of whoever you want to use
Why is a referral needed for this? I see people in the comments asking for referrals. Does a referral increase chances of getting approved for their CC?
It’s separate, but the referral bonus on the checking account can only be done for new non-members. If you become a member for the credit card first, you lose your chance, so you should do the checking account referral bonus first if you want it.
https://www.doctorofcredit.com/ca-wescom-credit-union-100-checking-referral-bonus-parties/
Got it, can you or someone refer me for the checking account?
[email protected]
Gosh their website seems behind the times. I can’t find any upcoming statement closing date info, details for cutoff times on payments, etc.
Denied due to Chex. First time ever for a credit card I think? I assume that means I avoided an HP Since I was denied membership, rather than denied the actual card.
P2 denied for Chex. Was 6/12