On Line Credit Union

Mm587 · ‎03-10-2015

I am looking to join an online credit union and eventually app for a cc that may be a large initial credit line. Most of my scores are right at 700. I am thinkng i will be able to get them to maybe 730 by late summer. I am not a veteran...any suggestions? thank you

chalupaman · ‎03-11-2015

@Mm587 wrote:
I am looking to join an online credit union and eventually app for a cc that may be a large initial credit line. Most of my scores are right at 700. I am thinkng i will be able to get them to maybe 730 by late summer. I am not a veteran...any suggestions? thank you

You could try NASA FCU or DCU. Those seem to be one of the better ones. Penfed as well though they are more conservative IMO to try to get cards with. Also be aware you'll get one HP for joining DCU and one HP if you app for a card the same day from them.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

baller4life · ‎03-11-2015

Penfed only one hp good for 90 days on any credit product popa.

Anonymous · ‎03-11-2015

NASA was SP for both membership and CC.

uswala · ‎03-11-2015

@MstrPTato wrote:
NASA was SP for both membership and CC.

Sorry to hijack the thread but can you please confirm that joining was SP with NASA as I am interested in joining. I read somewhere that it is HP just like PenFed.

Thanks!

Anonymous · ‎03-11-2015

@uswala wrote:
@MstrPTato wrote:
NASA was SP for both membership and CC.
Sorry to hijack the thread but can you please confirm that joining was SP with NASA as I am interested in joining. I read somewhere that it is HP just like PenFed.
Thanks!

It's definitely a SP

CreditCuriosity · ‎03-11-2015

SP if you do membership first then CC second.

Mm587 · ‎03-11-2015

@CreditCuriousity wrote:
SP if you do membership first then CC second.

I joined!!! now, I am going to wait until i get util to about 6 per cent!!!

SecretAzure · ‎03-11-2015

@Mm587 wrote:
@CreditCuriousity wrote:
SP if you do membership first then CC second.
I joined!!! now, I am going to wait until i get util to about 6 per cent!!!

Good luck Mm587! Gardening can be its own reward!

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MC

Must garden until 2/1/2022 to hit my goal AAOA.