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I agree insurance has huge amount of variance. USAA is $1400 more a month than Gieco for me.
Just ran quotes with USAA, they seem to be pretty good rates.
They only give a discount for one banking product. So, I opened a savings account. If I would have gotten an additional discount for a credit card I would have opened one too.
@Fenerbahce wrote:
I'm a member of NFCU and PenFed...I recommend PenFed all the way...the others just don't compare...and I have some good cards to compare with.
Random.....
I joined Penfed and USAA, denied credit cards for both of them... oh well..
@drewrico wrote:I joined Penfed and USAA, denied credit cards for both of them... oh well..
I was denied a loan from Penfed even with a very qualified cosigner. I was a little shocked. I was still working on my credit, score was in the mid 600's with a cosigner over 750. It took them over a week to tell me no, and they couldn't tell me why it was declined. It was very sloppy they lost some paperwork I faxed them as well. They caused some delays on me picking the car up which I had to fly to get.
After this I applied with NFCU and basically got a quick approval without a cosigner. I put the cosigner on the initial online application because I as expecting it would be needed especially after the PenFed decline. When I talked to the first Loan Officer he couldn't tell me whether I was accepted or declined, just that the co-applicant needed to be an NFCU member, I said that won't be a problem but I'm not going to go through the trouble of making them a member for you to say no. They pulled the credit reports already I would have been very angry to make them a member to find out after that it was already pre-declined. Needless to say he put me on the line with a more qualified LO who asked me why I even put the cosigner on there, and that I didn't need to, I qualified just fine on my own. I've been working with NFCU ever since. I've gotten another loan, and a CC since then. I'm going to finance another car for my wife next month hopefully.
The best benefit for me so far with NFCU has been the lenient credit requirements, which has really helped improve my credit over the last couple years.
@Anonymous wrote:
@drewrico wrote:I joined Penfed and USAA, denied credit cards for both of them... oh well..
I was denied a loan from Penfed even with a very qualified cosigner. I was a little shocked. I was still working on my credit, score was in the mid 600's with a cosigner over 750. It took them over a week to tell me no, and they couldn't tell me why it was declined. It was very sloppy they lost some paperwork I faxed them as well. They caused some delays on me picking the car up which I had to fly to get.
After this I applied with NFCU and basically got a quick approval without a cosigner. I put the cosigner on the initial online application because I as expecting it would be needed especially after the PenFed decline. When I talked to the first Loan Officer he couldn't tell me whether I was accepted or declined, just that the co-applicant needed to be an NFCU member, I said that won't be a problem but I'm not going to go through the trouble of making them a member for you to say no. They pulled the credit reports already I would have been very angry to make them a member to find out after that it was already pre-declined. Needless to say he put me on the line with a more qualified LO who asked me why I even put the cosigner on there, and that I didn't need to, I qualified just fine on my own. I've been working with NFCU ever since. I've gotten another loan, and a CC since then. I'm going to finance another car for my wife next month hopefully.
The best benefit for me so far with NFCU has been the lenient credit requirements, which has really helped improve my credit over the last couple years.
Sounds like it is time for you to ditch first premier.
Congrats on the succesful credit journey.
@Anonymous wrote:
@drewrico wrote:I joined Penfed and USAA, denied credit cards for both of them... oh well..
I was denied a loan from Penfed even with a very qualified cosigner. I was a little shocked. I was still working on my credit, score was in the mid 600's with a cosigner over 750. It took them over a week to tell me no, and they couldn't tell me why it was declined. It was very sloppy they lost some paperwork I faxed them as well. They caused some delays on me picking the car up which I had to fly to get.
After this I applied with NFCU and basically got a quick approval without a cosigner. I put the cosigner on the initial online application because I as expecting it would be needed especially after the PenFed decline. When I talked to the first Loan Officer he couldn't tell me whether I was accepted or declined, just that the co-applicant needed to be an NFCU member, I said that won't be a problem but I'm not going to go through the trouble of making them a member for you to say no. They pulled the credit reports already I would have been very angry to make them a member to find out after that it was already pre-declined. Needless to say he put me on the line with a more qualified LO who asked me why I even put the cosigner on there, and that I didn't need to, I qualified just fine on my own. I've been working with NFCU ever since. I've gotten another loan, and a CC since then. I'm going to finance another car for my wife next month hopefully.
The best benefit for me so far with NFCU has been the lenient credit requirements, which has really helped improve my credit over the last couple years.
See, I cant join NFCU so cant take advantage of the oppurtunities there.