IFR = Instrument Flight Rules, when the pilot can not see, must depend on instruments.Cloudy VFR= Visual Flight Rules, vhen all is clear, you can see every thing clear, easy soaring , no worries.
Re: Re: Re: Patelco Rules!!!! Approved! Was this a debt consolidation loan? Has anyone tried to get a debt consolidation loan?
MAN!!! I wish I could get referral money for the amount of people that signed up cuz of me!!! Damb.... didn't expect this many people to get approved...
Patelco most definitely rules in my book. I applied last week for a visa card got approved and went back and applied for a credit line increase and it happen. I was wondering when you apply and you don't fill out the amout that you are requesting will they consider you application or just approve you according to your salary?
got the denial letter in the mail today. they said because of bankrupcty and judgement on record. the bankrupcty comes off 1/05 and the judgement was paid 6-9 months ago. my credit score was 587 when i applied . They don;t approve everybody.
Re: Re: Patelco Rules!!!! Approved!! That's probably why. I was told by a Patelco account rep that they do not use a score and that they will not accept anyone with recent derogs after a BK. Actually, she may have said "any" derogs after the BK. In any case, that may have something to do with it. You should call and ask. I get the feeling they actually do have real people look at the report and make a decision. You at least should get a decent explanation from them.
No downpayment. It is a 66 month loan that works out to 370.00 a month. I'm doing 500 a month because the term is way to long.
Re: Re: Patelco Rules!!!! Approved!! thanks for the info. you know what is wierd. i just got a capital one platinum card in the mail the next day after patelco denial letter for 500.00 limit. At least someplaces will give you a chance.
Re: Re: Patelco Rules!!!! Approved!! Crap One only gave me a $200 limit. It was a mistake to have even applied for the card and I regret doing so every time I think about it! Patelco rep told me yesterday that they would only give me $2k, so they went with the MC, since the VISA would have been at 14.9% and MC was 9.9%. She said I couldn't get more if I was to do a balance transfer, as $2k was the most they were willing to risk. After six months they will consider an increase. Not exactly what I wanted to hear, but not completely depressing.
Re: Re: Patelco Rules!!!! Approved! Applied for car refinancing and visa on 29 july, received checks today and visa account was on the website on 2 aug, transfered cash to my savings account to BT a higher interest card on 2 Aug, All seems to be working,,,, no plastic yet
Applied July 25, 2004 for there gold VISA 8.95% fixed. Patelco needed my 2003 1040 and Schedule C. Faxed over to Patelco. I was approved for $44,000.00 credit line. Had to sign up for a checking account to "join" the credit union. I sent them a $100.00 for the account deposit. FICO Scores TU 810 EX 835 EQ 778
holy crap!!! nice scores... how do you manage to have an 800 score... start new thread pls with info on it...
Anyone concerned that they are not a member of the NCUA? It concerns me a bit because deposits are not federally insured, but they seem to be insured by some other insurance. Not sure what to think, but I'll probably apply.
I spoke with patelco today because my checking account has not appeared on my on-line page yet, savings acct, 2 car loans and a visa gold card were there. I received a e-mail on Tuesday stating my checking account had been approved and visa check card had been ordered. The lady I spoke with told me that regardless of what the e-mail said I was not approved for a checking account because chex systems said NO. I asked what was in the chex system report and she looked and said it had no data at all just a denial??? she went ahead and opened a checking account but said my credit scores were too low for a ATM/visa check card. I thought it was funny and told her that I could not believe that PATELCO would not give me a ATM card but would give me a visa gold with a $8000 limit and 2 car loans for a total credit risk in excess of $45,ooo. She just said sorry and to call manager tomorrow. Who knows what they are thinking????
Okay. Here's another "Patelco Rules" yada...yada...yada story. Applied for huge auto loan. Only needed small amount. Few days later, received approval. Opened up account online with funds transfer. Will receive Welcome kit in mail soon. Will start looking for new car tomorrow. Yes!! Patelco Rules!!! Their rate was better than my current credit union. CardKid
