topic Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied. in Credit Cards

Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

timkrof — Fri, 09 Mar 2012 19:32:12 GMT

So I just applied for a Visa Credit card at Clearview Federal Credit Union where I have a personal checking and savings, a personal cd ($2,000) and a secured certificate loan ($2,000, 7 months old, and paid on time each month builder loan). I just also opened a business checking and savings accounts with them.

While I was there I applied for their business Visa card for 5k and I was denied due to my personal credit files (PG required which is the norm).

The reasons they gave me were: Previous collection accounts and Settled for less than owed on account.

My current cards and balances:

Chase Slate: 16k Limit | 0 Balance | 5 years no lates

Chase Freedom: 4k Limit | 0 Balance | 4 years no lates

Discover More: 8.5k Limit | 1,100 Balance | 3 years no lates

Capital One Business Spark: $750 Limit | 0 Balance | 1 year no lates

Macy's AMEX: $300 Limit | 0 Balance | 2 years no lates

Oldest Account: 10 years

AAoA: 5.3 years

All collections are paid or settled and at least 3-6 years old. I've been sending GW letters to no avail.

I was approved for the Chase Freedom rewards card on 3/7/2012 that is listed above 2 days after the Clearview hard pull appeared on my EX report. I am certain that the EX file was the same, except for the Clearview hard pull showing when Chase did their inquiry. I applied for the Chase Freedom card online and was given a "account needs further review" response. So I called the backdoor number and spoke with a very polite person in the lending department that recon'd my app and I was approved for 4k. Both lenders pulled my EX report.

I called Clearview Federal Credit Union back and spoke with a rep that explained because they're a small bank they couldn't recon or try to approve my credit card app.

I've been researching and rebuilding for 3 years and thought that credit unions were the way I should go.

I'm not knocking all credit unions, I mean I've read some really good things about them, just Clearview Federal Credit Union seems to be a waste of time for me.

Oh well, I need to get back to full time gardening mode anyway. ;)

My three FICO's are: TU: 707 | EX: 682 | EQ: 660

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

LS2982 — Fri, 09 Mar 2012 19:44:47 GMT

Congrats on the Chase approval! Sorry to hear about the CU denial, may be time to look for a different one.

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

timkrof — Fri, 09 Mar 2012 19:50:15 GMT

I just might follow your advice looking at your score increases in less than a year, nice work!

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

FrugalRican — Fri, 09 Mar 2012 19:54:10 GMT

I'd agree that it might be time to look for a different CU. Overall, they are great, but it doesn't mean that ALL of them will be able to help you, individually.

I've actually got one nearby that is notorious in this area for being terrible, not only in customer service but with their products as well.

If it isn't working out for you, then maybe it's time to find one that will.

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

LS2982 — Fri, 09 Mar 2012 20:06:18 GMT

I cant wait until I can app for a PSECU Visa, which is about 9 months away!

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

Guava — Fri, 09 Mar 2012 20:31:25 GMT

Congrats on the Freedom, it's a worthwhile consolation

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

timkrof — Fri, 09 Mar 2012 20:40:06 GMT

Very good point!

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

timkrof — Fri, 09 Mar 2012 20:41:27 GMT

I need to look into them, I live in PA.

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

Guava — Fri, 09 Mar 2012 21:02:16 GMT

They give out free EX FICO score for member so it's another incentive =D

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

LS2982 — Fri, 09 Mar 2012 21:23:30 GMT

timkrof wrote:
I need to look into them, I live in PA.

You really need to join them!!! :smileyhappy:

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

timkrof — Fri, 09 Mar 2012 21:26:43 GMT

They look great! I don't think they are any branches near me though. How would I make a withdrawal if needed?

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

CreditCrusader — Fri, 09 Mar 2012 21:29:46 GMT

I can relate to you completely. Where I live, there is a credit union that won't even allow me to be a member because I have a BK on my report (Chex record clean as a whistle). These people won't even allow me to run my money through their credit union, for crying out loud!

Contrast that to the credit union I joined a short while ago, 3 Rivers FCU in Fort Wayne. Not only did these folks allow me to become a member and have checking/savings accounts, but they used the same credit report they pulled to verify my ID info to roll out the red carpet and approve me for their VISA Platinum card, a 5-star rated card with no AF, a $3,000 line, and 13% APR.

Just goes to show you...some CUs want your business, others take it for granted. If I were you, I'd drop that CU like a bad habit ASAP.

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

LS2982 — Fri, 09 Mar 2012 21:39:23 GMT

CreditCrusader wrote:
I can relate to you completely. Where I live, there is a credit union that won't even allow me to be a member because I have a BK on my report (Chex record clean as a whistle). These people won't even allow me to run my money through their credit union, for crying out loud!

Contrast that to the credit union I joined a short while ago, 3 Rivers FCU in Fort Wayne. Not only did these folks allow me to become a member and have checking/savings accounts, but they used the same credit report they pulled to verify my ID info to roll out the red carpet and approve me for their VISA Platinum card, a 5-star rated card with no AF, a $3,000 line, and 13% APR.

Just goes to show you...some CUs want your business, others take it for granted. If I were you, I'd drop that CU like a bad habit ASAP.

Congrats on that 3 Rivers FCU success!!!

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

CreditCrusader — Fri, 09 Mar 2012 21:43:08 GMT

LS2982 wrote:
CreditCrusader wrote:
I can relate to you completely. Where I live, there is a credit union that won't even allow me to be a member because I have a BK on my report (Chex record clean as a whistle). These people won't even allow me to run my money through their credit union, for crying out loud!

Contrast that to the credit union I joined a short while ago, 3 Rivers FCU in Fort Wayne. Not only did these folks allow me to become a member and have checking/savings accounts, but they used the same credit report they pulled to verify my ID info to roll out the red carpet and approve me for their VISA Platinum card, a 5-star rated card with no AF, a $3,000 line, and 13% APR.

Just goes to show you...some CUs want your business, others take it for granted. If I were you, I'd drop that CU like a bad habit ASAP.
+1

Congrats on that 3 Rivers FCU success!!!

Why thank you! Those folks are incredibly kind and always take the time to thank me for choosing them. There is something to be said for good old fashioned customer service :smileyhappy:

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

LS2982 — Fri, 09 Mar 2012 21:47:06 GMT

CreditCrusader wrote:
LS2982 wrote:
CreditCrusader wrote:
I can relate to you completely. Where I live, there is a credit union that won't even allow me to be a member because I have a BK on my report (Chex record clean as a whistle). These people won't even allow me to run my money through their credit union, for crying out loud!

Contrast that to the credit union I joined a short while ago, 3 Rivers FCU in Fort Wayne. Not only did these folks allow me to become a member and have checking/savings accounts, but they used the same credit report they pulled to verify my ID info to roll out the red carpet and approve me for their VISA Platinum card, a 5-star rated card with no AF, a $3,000 line, and 13% APR.

Just goes to show you...some CUs want your business, others take it for granted. If I were you, I'd drop that CU like a bad habit ASAP.
+1

Congrats on that 3 Rivers FCU success!!!
Why thank you! Those folks are incredibly kind and always take the time to thank me for choosing them. There is something to be said for good old fashioned customer service :smileyhappy:

I can't wait to experience it myself!! I do love Barclays CS so far!

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

TheArtman — Sat, 10 Mar 2012 17:19:12 GMT

Congrats on the Chase Freedom card, I just got this card myself and love it!

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

jimbo831 — Sun, 11 Mar 2012 02:43:23 GMT

timkrof wrote:
They look great! I don't think they are any branches near me though. How would I make a withdrawal if needed?

Check this out:

http://www.psecu.com/atms/

You can use any ATM in the CU co-op network and some others. They are not nearly as plentiful as my PNC ATMs are here in Pittsburgh, but it looks like you should be able to find one in most places.

My wife and I both have a savings account with them while I also have a Visa/PSL combo and auto loan. We are thinking about moving all our banking there, but also a little nervous about less ATMs and no nearby branch. I may eventually bite the bullet and do it, but for now I am very happy with my PNC Virtual Wallet account. If that ever changes though, PSECU will get my primary checking.

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

timkrof — Sun, 11 Mar 2012 03:46:05 GMT

Thanks for the info! I'm going to call PSECU on Monday. :)

jimbo831 wrote:
timkrof wrote:
They look great! I don't think they are any branches near me though. How would I make a withdrawal if needed?
Check this out:

http://www.psecu.com/atms/

You can use any ATM in the CU co-op network and some others. They are not nearly as plentiful as my PNC ATMs are here in Pittsburgh, but it looks like you should be able to find one in most places.

My wife and I both have a savings account with them while I also have a Visa/PSL combo and auto loan. We are thinking about moving all our banking there, but also a little nervous about less ATMs and no nearby branch. I may eventually bite the bullet and do it, but for now I am very happy with my PNC Virtual Wallet account. If that ever changes though, PSECU will get my primary checking.

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

annielorie — Sun, 11 Mar 2012 04:44:40 GMT

Mod Cut how-to-establish-business-credit/ is a really good article about business credit look it up!

Linking to credit repair sites is not allowed - MarineVietVet, myFICO moderator

Re: Chase Freedom - Approved!!!! Clearview Federal Credit Union - Denied.

annielorie — Sun, 11 Mar 2012 06:33:55 GMT

Im sorry I didnt realize an article is no good sorry wont happen again.