You do not have to reside in PA to be a member of PSECU. You have to have a PA affiliation though, school/work/family member/ etc ... View more

I believe they discontinued that option a lonnnnng time ago. ... View more

I was told today by Wells Fargo that 620 is fine ... View more

@Anonymous wrote: On one of my credit cards I tried to set up a different bank account the make online payments from.  There was a typo on the account number, so there was a returned payment with a fee.  I was able to see this in time and pay off the full balance before any payment was due, so there was no late payment.  I recieved a letter that my APR will be increased because this triggered a penalty.   I was wondering if this returned payment is something that will be reported to the credit bureaus and will it affect my credit score?  We are in the mist of closing on a house and I dont want this to ruin everything! In my experience, the credit card company has waived the fee for that, and also reversed the decision to increase the rate. I would certainly contact them and explain what happened. As long as you're a good customer otherwise, they should waive both of those adverse actions. Good luck. ... View more

As long as your income supports that payment, you should be okay. I have been approved for everything I asked for from them. (Equity loan on Investment prop, $20k credit card, 2 auto refinances)  I Love my CU.   My DH and Sister have been approved as well. ($50k car loan and $20k cc's) ... View more

I'm refinancing with PSECU for 4.99%. Penfed was 3.99% but they turned me down (lol for a refi) ... View more

My score has changed with changes I have made to my credit profile, so I wouldn't agree that the free score is overrated. ... View more

I have a regular Chase which is now "Slate" with blueprint... My old Wamu now Chase is "Perfect Card"... The type of card show on the summary page:   CREDIT CARD (...3700)       Account Summary     Outstanding balance† $0.00   See activity     Payment due date 05/21/2010   See statement     Minimum payment due  $0.00   Pay credit card     Balance last statement $0.00     ... View more

Yes I have an offer that includes a 50% credit limit increase if I do a balance transfer.... ... View more

I have also recently started getting the offers on my chase card (not formally WAMU). My formally WAMU card has no offers. My offers are similar, but I am carrying a bal of $12k on $44k limit with a fixed 3-4% rate. They changed my regular purchase rate last year to 14.24% variable from 7.99% fixed. They are hoping I put a balance transfer on there and get stuck with that 14.24%. No chance. I have not made a purchase with that card in over 2 years and I've had it for 20. ... View more

I suggest you research a credit union that you may qualify to join, and apply for a credit card through them. ... View more

I applied for and received my first credit card from JCPenney in 1990. Shortly thereafter, I applied for a Chase Visa at school, and was given a $300 limit. I still have that Chase card, limit $44k today. ... View more

   I had a great Capital One 7.9% until the Obama legislation, so now it is bad too. I find it interesting that you believe the Obama legislation has something to do with your higher interest rate on your credit card. Check with his predecessor. ... View more

Same thing happened to me a couple weeks ago.. hit luv button online, got message to call, ignored it, saw the increase from $7k to $12k a couple days later ... View more

Chase will let me take my entire available limit in cash, and I guess I could request cash advance checks to do that.. Kinda scary though $30k at 19.24% interest.     Payment Info     Minimum Payment Due   $262.00         Next Payment Due Date   11/20/2009         Last Payment Amount   $50.00         Last Payment Posted Date   10/06/2009         Cash Advance     Cash Advance Balance   $0.00         Cash Advance Limit   $44,000.00         Available for Cash Advance   $30,870.00             Account Info     Outstanding Balance   $13,129.70         Pending Charges   $0.00         Total Credit Limit   $44,000.00         Available Credit   $30,870.00         Last Statement Date   10/26/2009         Next Closing Date   11/26/2009         Balance Last Statement   $13,129.70           APR     As Of   10/27/2009         Purchase APR   14.24%         Cash APR   19.24%       My Bank of America Worldpoints card is similar: $12k limit, $11,557 available for cash or credit   Message Edited by itsjustmeibe on 11-02-2009 11:12 AM ... View more

@GregB wrote: I'm confused about your statement "If I traded it in there would only be a $1000 or so tax savings so that doesn't seem like the right idea."   Do you think there will be less sales tax if you trade in?   In every state I have seen you will pay sales tax on the entire purchase price of the new car. They don't take trade in off the amount used to calculate sales tax. Is there a state where you pay sales tax on the difference? Yes, Delaware ... View more

If by some miracle you live in PA, PSECU loans up to 100% equity. ... View more

@Anonymous wrote: you have to have a credit or a loan product to be able to get the exp fico score - I am positive about this - if someone can only confirm whether checking account could also make you elligible for the score   You qualify to receive your FICO score with a checking account. ... View more

@Karatz wrote: @itsjustmeibe wrote: So I app'd for a CLI on Monday. Current limit $7k, new limit requested $12k. Gave the information on the form, I assumed soft inquiry since it didn't say they would check my credit. Got the message to call to complete request. I didn't call.   Today I realized my BOA has a very low regular rate (2.99% + prime) so I decided I want to use it as my everyday card. (Just in case some balances transfer to the next month, I currently use Discover for everyday purchases). Then I decided I need some rewards, so I called to product change  from Platinum Plus to World Points. (I forgot all about the CLI request). Anyway, they are changing my card to the rewards, and then she said do you want to use any of your available $12k limit to balance transfer at 0% until 12/09? I said no, but I was happy with the increase.   Current FICO - EXP 721 (don't have the others off hand) I got the BOA card last Nov with initial limit $7k, had been declined for CLI before with the reason of you have enough credit. I used it for a 0% balance transfer and paid it off within 6 months. I currently have no balance. So they gave you the CLI without calling before you called for product change?   I assume so because I never asked about CLI on the phone. I couldn't see my account prior to the phone call as many other people had reported, so I'm not sure if it was there before I called or not. I don't even know if the number I was supposed to call about the CLI was the same number I called for product change. ... View more

Do you know if that was part of the agreement with the program? Reason I ask is because I just did a similar program with AMEX, a paydown on a business card. I had a limit of $28,600 on which I owed like $25k. I paid $12k on it and they credited me with $800, ~ 4 months of interest charges, but the caveat was that my limit would be reduced to $13k. They also guaranteed my limit for a year.   Maybe yours worked similarly? ... View more

JCP is GEMB and it is soft pull ... View more

I set up bi-weekly payments in July. I am paying the $350 (in installments), but the benefit for me is that they draft the day after I get paid. For me, it works out by keeping my bills pretty flat from paycheck to paycheck. (After all, my paycheck doesn't vary)   To be able to pay towards the principal and save on interest is an added benefit. Of course I could make an extra $1,400 mortgage payment sometime during the year, but I can't depend on myself to do that! Umm vacation, ummmm Christmas, ummm kids's birthday, ummmm shoes, ummm cookout, ummmm so many excuses I can come up with during the course of the year.   There is no other option to pay 1/2 the mortgage at a time (I tried that one time before, was a disaster)   "Set it & Forget it" ... View more

Depends on the interest rate to me ... View more

Just for fun, I clicked balance transfer offers, and voila, I have an offer to transfer at my current APR which is 9.95% with a "0" transfer fee. So I won't be able to hide the balance (which is "0" anyway) but it will hurt me if I take the offer - interesting   By the way, I had no offers prior to Sept ... View more

@CreditDrama85 wrote: i received notification that begining October 1, 2009 capital one is going to start reporting business accounts to personal credit bureaus. i never worry about this card but now it is going to effect my utilization :(   Was this a separate notice or was it a bill insert? I haven't received anything yet. ... View more