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Ruby
Ruby

After being denied online, I was asked to visit the branch to show my ID. Branch wanted to start a new application. I asked if they allow credit card funding. They said no. I walked out.

Ruby
Ruby

I applied for two accounts and funded 5000 with credit card. The application was denied the second day

I am a Houston resident.

What could be the reason,?

Dan
Dan

I’m also interested in this for MS purposes. Can you or anyone here help a brother out and refer me as a step “relative” from the Houston area?

Dan
Dan
Tyrone Danger
Tyrone Danger

I’m also interested in this for MS purposes. Can you or anyone here help a brother out and refer me as a step “relative” from the Houston area?

Ralph Hendry-Wabel payyoutuesday LAG michaeld

Ralph Hendry-Wabel
Ralph Hendry-Wabel

sure, send me your email, first and last name and I can put it in for referal

Ralph Hendry-Wabel
Ralph Hendry-Wabel

DP: Used my Amex Marriott Business Credit Card for $2000 funding. Coded as purchase.

Baked
Baked

I know this bonus expired, but want to open account for MSR purposes. Any advice for OOS ? payyoutuesday

Betelgeuse ㊙️

I think several of us got denied due to Chex. They will charge your card right away then refund you later when they deny you. At least that was the case for me.

Baked
Baked

Betelgeuse Thanks for the quick response!

payyoutuesday
payyoutuesday

Baked Sorry, I don’t have any sage advice on this one. I had a hard enough time getting approved and getting the bonus, and I live in the service area and used real DDs.

Baked
Baked

payyoutuesday (delayed) Thank you.

LAG
LAG

William Charles

Not related to this bonus exactly, but another AMEX DP and confirmation the accounts can be opened/closed.

I closed account in October last year and needed to complete another MSR (BBP with a large credit line), so I decided to try and open this account a second time (without bonus).

I applied earlier this week and was approved the next day. Funded all 4 accounts with 2.5k using the BBP (10k total). Amex card number still triggers the “error” I mention last time saying that it’s not a valid card number, but the charge was taken just fine and the balance for each account was deposited the day following my account approval and all were noted as “available” balance, so it seems they sped up their processing/hold time vs the last time I posted (June).

007
007

LAG Thanks for DP. How large of a risk is it to meet MSR on an AmEx card opening a bank account? $10k would go a long way towards $15k biz plat sign up bonus, but not sure if this would be better avenue (as far as risk of AmEx denying bonus ) than paying federal taxes. Thanks!

Kyle
Kyle

Anyone tried Capital One funding with this bank? I want to use my Venture card, but don’t want it to code as cash advance. Thank you!

michaeld
michaeld

I applied for an account to meet MSR on a new Amex BGR card. I live in one of the designated counties so I’m not worried about the bonus being denied. I was able to charge $7.5k to the card, $2.5k/account. I haven’t been able to move any of it yet, but the charge has been applied to my card as shows in the accounts.

William Charles When I applied my Equifax report was pulled. I, like many others, made sure to opt out of anything that might cause it, but I was still checked. Maybe they check people deposit large sums on credit cards? Who knows? I was asked to provide proof of ID (I applied with passport) so I sent my driver’s license. But that had my old address (though still in an eligible county) so I had to follow up with a utility bill to prove residence.

For me, the hard pull is worth the 7.5/10k MSR of the BGR so I’m pleased that I should be able to get a bank bonus out of this as well.

matz
matz

declined bonus, no real DD, not in houston, escalated to supervisor but they flat out declined saying because its not payroll DD.
filed CFPB complaint but they won’t handle it so they forward it to NCUA. NCUA response saying that its not within their responsibility, suggested me to contact Texas Credit Union Department. I gave up.

payyoutuesday
payyoutuesday

If you don’t have real DDs, you either get the bonus or you don’t. But you don’t protest the outcome, because you didn’t meet the terms of the bonus offer!

Matz
Matz

True, but doesn’t hurt to try

payyoutuesday
payyoutuesday

But it can hurt, as Betelgeuse pointed out. See DoC’s article: https://www.doctorofcredit.com/dont-call-the-bank/

Matz
Matz

Well, what else you can do though ? Doing nothing won’t change the situation. By calling there is some hope, however small it may be.

payyoutuesday
payyoutuesday

You tried to game the system with fake DDs; it didn’t work. What if there are some fake DDs that do work at this CU? The only thing you are doing by pursuing your baseless complaint is drawing attention to these loopholes. If everyone reacted the way you have, these loopholes wouldn’t even exist. Just move on when fake DDs don’t work. It’s in everybody’s long-term interests, even yours.

matz
matz

Arguably its still a technically a real DD. No where in the requirement mention a specific type of DD.

Betelgeuse
Betelgeuse

Yeah contacting the bank when not using real dd just brings it to their attention that people are using fake dd to get bonuses.

tolikfox
tolikfox

I had real Payroll DD’s. Did not get the bonus initially, contacted TDECU and nothing happened. Filed CFPB and they forwarded to NCUA, then Texas Credit Union. But all this was done automatically. Someone from Texas Credit Union contacted me this morning, got my bonus later in the day lol. All this took approx 2 months. For those in the same boat, if you do file a complaint just go straight to Texas Credit Union