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New Contributor
jpparker07
Posts: 63
Registered: ‎11-15-2012

APPROVED. State Employee Credit Union Maryland

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), Barclay Arrival Mastercard (1500), Chase Freedom (1K), Discover It (1.3k), SECU (2K), CapOne (750), CapOne Quicksilver (750)

Current Scores- Experian- 690, Equifax- 676, Transunion-665

Goal- 720 Across the Board
Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012

Re: APPROVED. State Employee Credit Union Maryland

Congrats on your approval and CL!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13
Regular Contributor
luckelle
Posts: 168
Registered: ‎12-05-2007

Re: APPROVED. State Employee Credit Union Maryland

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!


Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010

Re: APPROVED. State Employee Credit Union Maryland

Congrats!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
New Contributor
jpparker07
Posts: 63
Registered: ‎11-15-2012

Re: APPROVED. State Employee Credit Union Maryland

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

Cards: AMEX BCE (2k), AMEX Zync (NPSL), Barclay Arrival Mastercard (1500), Chase Freedom (1K), Discover It (1.3k), SECU (2K), CapOne (750), CapOne Quicksilver (750)

Current Scores- Experian- 690, Equifax- 676, Transunion-665

Goal- 720 Across the Board
Moderator
09Lexie
Posts: 22,417
Registered: ‎09-13-2012

Re: APPROVED. State Employee Credit Union Maryland

New Contributor
jpparker07
Posts: 63
Registered: ‎11-15-2012

Re: APPROVED. State Employee Credit Union Maryland

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), Barclay Arrival Mastercard (1500), Chase Freedom (1K), Discover It (1.3k), SECU (2K), CapOne (750), CapOne Quicksilver (750)

Current Scores- Experian- 690, Equifax- 676, Transunion-665

Goal- 720 Across the Board
Regular Contributor
scarzy
Posts: 207
Registered: ‎04-08-2008

Re: APPROVED. State Employee Credit Union Maryland

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

New Member
Shaunita09
Posts: 4
Registered: ‎05-16-2013

Re: APPROVED. State Employee Credit Union Maryland

Is MECU bankruptcy friendly?
Regular Contributor
HigherFico
Posts: 178
Registered: ‎01-29-2011

Re: APPROVED. State Employee Credit Union Maryland

What kind of credit score do you need for mecu?

Starting Score: 520
Current Score: 627
Goal Score: 700


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