I opened my membership with them one month ago with an open collection still reporting.
Applied for a couple products and was denied to the delinquency and inquiries.
I figured oh well, give it some more time and try again later.
Well in the meantime I paid the collection ($1500 from an old apartment) and resubmited my app with a new hard pull after the collection reported paid and closed.
Denied again, "past or present delinquent accounts" and it showed my report dated from early April when I initially apped.
I called and spoke to a supervisor and I informed them the loan officer used the wrong report, so they pulled the correct report and said "What credit limit would you like?" And I knew the Visa Siggy started at $5k and didnt feel brave enough to ask for $20+ so I said $10,000 and she approved it on the spot.
Woot woot!
FINALLY!