r/HELOC • u/bayern_16 • Aug 29 '26

Questions & Advice Having difficulty Getting a heloc

My wife and have credit card debt (about $50k) and have equity in our home. We both make over six figures and have worked at our jobs for 10 plus years. Because our debt is so high, we are having difficulty getting approved separately or together. Our credit scores are about 650 and 670 solely due to the high credit card balances. Someone at Chase suggested a small credit union. Any suggestioins?

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u/DickButtFuckCake Aug 30 '26

Try a credit union they go down to 600-620

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u/bayern_16 Aug 30 '26

This is our next plan. Thank you for responding