Credit Cards

[irod1277]

I'm curious to know if the OP ever opened an account with MCU & if anyone knows how difficult it is to get approved for one of their credit cards?  Thanks.

[xchap]

very easy to join if you work for city agency

...good bank......

gave me 16k personal loan and a 13k credit card @ 9.15% ( at the same time)

paid the loan off

now Credit card raised to 15k.

i believe they pulled Eq....  had 700+ credit score at the time.

[quest208]

to answer your quesiton i did not apply for MCU yet.

i do not know how hard it is to get credit products but i am not prepared to apply for an MCU card yet.

my mom-in-law has an account there so it should be fairly easy for me to get an account with them.

if you are eligible, i say go for it

[vexblu]

MCU helped me to rebuild my credit. I can't thank them enough! During my rebuilding process, MCU approved me with an 20k auto loan! That was with only 1 $200 limit orchard cc on my report. One year of credit history, and I even had a judgement on TU, CO, collections on EX lol. I called them and they only ask me few questions about the CO. Very easy to work with, and only need to show them the latest pay stub while getting the check from the branch. Fico TU 696 at the time, they pulled TU and EX

[quest208]

---

vexblu wrote:

MCU helped me to rebuild my credit. I can't thank them enough! During my rebuilding process, MCU approved me with an 20k auto loan! That was with only 1 $200 limit orchard cc on my report. One year of credit history, and I even had a judgement on TU, CO, collections on EX lol. I called them and they only ask me few questions about the CO. Very easy to work with, and only need to show them the latest pay stub while getting the check from the branch. Fico TU 696 at the time, they pulled TU and EX

---

thank you for this insightful info.

helpful.

was not sure if they require latest paystub

[irod1277]

I have 1 judgment that I'm paying off & have 6 small Cl cc that I pay on time each month. I'm worried because my score is so low. I will give them a call tomorrow.

[Helpmeraiseit]

I have MCU because I get paid 2 days earlier through them. They are very nice.I have a car loan with them and i just got approved for a Visa card. You can do the app over the phone and they will even go through your report with you. If they see any dings they will just ask you to explain the situation at that time. All they require is id and last paystub.

Good luck

[seantrells]

---

Helpmeraiseit wrote:

I have MCU because I get paid 2 days earlier through them. They are very nice.I have a car loan with them and i just got approved for a Visa card. You can do the app over the phone and they will even go through your report with you. If they see any dings they will just ask you to explain the situation at that time. All they require is id and last paystub.

Good luck

---

I just joined MCU with a checking and savings, set up direct deposit and I get paid Thursdays, so are you saying that you get your money 2 days earlier then on the payroll???

[seantrells]

I just joined and set up direct deposit so are you saying they post early somehow?  my  normal paydate is Thursday.'s bi weekly