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jpparker07
Posts: 59
Registered: ‎11-15-2012

APPROVED. State Employee Credit Union Maryland

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‎01-07-2013 11:24 AM

Wow. So I've been nursing my new Discover, Chase Freedom, and Amex Zync cards for a range of 3-6 months. (Zync for 6, Discover and Chase for 3). I keep hearing about how good credit unions are so I looked at my CU for Maryland. SECUMD welcomes just about anyone who went to college in Maryland or worked for the State of Maryland. I thought I'd apply seeing the luck everyone has with PenFed and such. I asked for a 2000.00 limit because my discover and Chase both have a 1k limit. BAMM approved! Says I will be contacted within 24 hours by a representative. So glad to have a larger limit for utilization purposes! Yay!

Cards: AMEX BCE (2k), AMEX Zync (NPSL), AMEX Green (NPSL), Chase Freedom (1K), Discover It (1k), SECU (2K), CapOne (750), CapOne Cash Rewards (750)

Current Scores- Experian- 690, Equifax- 676, Transunion-662

Goal- 720 Across the Board
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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: APPROVED. State Employee Credit Union Maryland

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‎01-07-2013 12:16 PM

Congrats on your approval and CL!
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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Regular Contributor
luckelle
Posts: 168
Registered: ‎12-05-2007

Re: APPROVED. State Employee Credit Union Maryland

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‎01-07-2013 02:48 PM

Try mecu also. SECU is not as loan or credit friendly as mecu. Unless you have a lot in your savings getting much from SECU is rare. When I left SECU for MECU I was given loans from day one. Never happened with SECU and I was there for 8yrs.

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!
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tinuviel
Posts: 4,018
Registered: ‎11-02-2010

Re: APPROVED. State Employee Credit Union Maryland

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‎01-07-2013 03:42 PM

Congrats!



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
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New Contributor
jpparker07
Posts: 59
Registered: ‎11-15-2012

Re: APPROVED. State Employee Credit Union Maryland

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‎01-24-2013 11:53 AM

Thanks for the advice on MECU. It is just as easy to become a member as SECU?

Cards: AMEX BCE (2k), AMEX Zync (NPSL), AMEX Green (NPSL), Chase Freedom (1K), Discover It (1k), SECU (2K), CapOne (750), CapOne Cash Rewards (750)

Current Scores- Experian- 690, Equifax- 676, Transunion-662

Goal- 720 Across the Board
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Valued Contributor
09Lexie
Posts: 6,754
Registered: ‎09-13-2012

Re: APPROVED. State Employee Credit Union Maryland

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‎01-24-2013 11:55 AM

Congrats!


Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800
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New Contributor
jpparker07
Posts: 59
Registered: ‎11-15-2012

Re: APPROVED. State Employee Credit Union Maryland

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‎01-24-2013 11:56 AM

So I also found out my percentage for the card. 10.99%! For my score and profile that is a great rate! And foreign transaction fee is only 1%.

Cards: AMEX BCE (2k), AMEX Zync (NPSL), AMEX Green (NPSL), Chase Freedom (1K), Discover It (1k), SECU (2K), CapOne (750), CapOne Cash Rewards (750)

Current Scores- Experian- 690, Equifax- 676, Transunion-662

Goal- 720 Across the Board
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Regular Contributor
scarzy
Posts: 185
Registered: ‎04-08-2008

Re: APPROVED. State Employee Credit Union Maryland

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‎01-24-2013 01:36 PM

If I remembered correctly, you can join if you live or workship in Baltimore City.

Concerning job eligibility, they have a long list on their website. They are more credit friendly.

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012
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