Alliant CU VISA, 3% cash 1st yr, then 2.5% (Capped). Fee waived 1st year.
#18
Join Date: Jan 2010
Posts: 1,708
#20
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
True, but some people are eligible to become members without realizing it... They may have a great grandfather or someone who served, or a step parent who has served.
Once you get in, though, the card isn't difficult to obtain. Their internal score was a 670 and I was approved for 5k with 18 inquiries.
Once you get in, though, the card isn't difficult to obtain. Their internal score was a 670 and I was approved for 5k with 18 inquiries.
#21
Join Date: Feb 2015
Posts: 910
For people that already applied for this credit card (or their previous ones), did they ask you to submit pay stubs and/or employment verification letter? Some people report being asked, not sure if that's due to a certain range of income or other factors.
#22
Join Date: Jan 2010
Posts: 1,708
Has anyone done M$-ed with an Alliant card? How did it go?
I don't think they've ever had a card offering more than 1% before.
Is Alliant willing to dedicate resources to patrol M$ in general (hard to do without level 3 data, for in-store purchases anyhow) and how aggressive will they be towards our hobby in general?
My guess is they may be very aggressive because they are a conservative CU.
Even without L3 data they can for instance target & shut down ppl that do most of their spending online at GCM and/or GC. I guess we'll find out.
Yeah.
I don't think they've ever had a card offering more than 1% before.
Is Alliant willing to dedicate resources to patrol M$ in general (hard to do without level 3 data, for in-store purchases anyhow) and how aggressive will they be towards our hobby in general?
My guess is they may be very aggressive because they are a conservative CU.
Even without L3 data they can for instance target & shut down ppl that do most of their spending online at GCM and/or GC. I guess we'll find out.
Yeah.
#23
Join Date: Jul 2008
Posts: 171
They did not ask for mine, but they declined me because of my i use some of my personal credit cards for my work so they get maxed out every month but get paid off in full.
So i have to pay them off in full and re apply they said.
#24
Join Date: Jan 2006
Programs: Marriott - Titanium, AA - Lifetime Gold
Posts: 333
Getting an approval from these guys is like applying for a mortgage.
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
#25
Join Date: Dec 2015
Location: DCA
Posts: 820
Getting an approval from these guys is like applying for a mortgage.
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
#26
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,986
#29
Join Date: Oct 2014
Programs: All of them
Posts: 1,666
Getting an approval from these guys is like applying for a mortgage.
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
#30
Join Date: Jan 2017
Posts: 7
Good catch. Many considered this an overseas alt Citi DoubleCash type, which it seems isn't.
Alliant seems to be overly caution and the a la carte type of bank. They seem to now want to make big waves with 2.5% cashback, which is aimed as competition for the big banks.
Alliant seems to be overly caution and the a la carte type of bank. They seem to now want to make big waves with 2.5% cashback, which is aimed as competition for the big banks.