gremln007 said: I think they have a loan officer review all CC apps. Sounds right, now that you mention it. Did a mini-AOR w/ 4 CCs in December, and I recall Alliant taking their sweet time on my app (at least compared with Logix CU, Chase Slate and Barclaysbank).
Alliant is a GREAT institution in general; the only place it sucks is with approving ANY application. Here are 3 of My Data Points: 1. Checking Account + Savings Account = Online app submitted but a few days later manually someone contacted me and completed the approval process 2. Credit Card: Submitted online app, but it asked me HOW MUCH CREDIT I WANT. So I put in a number and a few days later manually someone contacted me and completed the approval process and gave me the number I asked 3. Auto Loan: Submitted online app, a few days later manually someone contacted me and asked some documentation. By then I already got an Instant Approval from PenFed for 1.49% .... so I declined the guy from Alliant stating the facts...but the idiot kept the application on file for 30 days and on the 31st day sent me an email "we are withdrawing the loan application because you have not provided the requested additional documentation"....it was a joke
gergles said: Also be wary; in the past they have not awarded bonuses to people who weren't targeted, even if you did enter the promo code. Which you'd think should be pretty obvious to anyone clever enough to get the T&C: "This offer is not transferable and may only be used by the person to whom it is addressed."
bogalusa said: gremln007 said: I think they have a loan officer review all CC apps. Sounds right, now that you mention it. Did a mini-AOR w/ 4 CCs in December, and I recall Alliant taking their sweet time on my app (at least compared with Logix CU, Chase Slate and Barclaysbank). Just to triple that, when I applied for a credit card, as an existing member, I got a fast response, but it wasn't an auto message or something, it was apparently hand typed from the person's alliant email, as it contained an error that was later corrected upon my inquiry and a couple of back and forth emails with the person who sent it by my replying to the origonal email. And the offers are, or at least were targeted.
bogalusa said: The bad news (sorta): The final page says that a "loan officer" will be in touch to review the application. Not necessarily bad news. Last year I applied online on a Friday night. Asked for $25,000. The next morning (yes, Saturday), I got a personal email from a loan officer telling me my request had been approved and was there anything else he could do for me? That was the entire process.
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