Credit Cards

[cowboyguy]

Hi everyone,

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

PSECU

NASA

USAA

Penfed

[Mellon]

USAA is not a credit union

[KausticRage]

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.

[visorboy1974]

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cowboyguy wrote:

Hi everyone,

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

PSECU

NASA

USAA

Penfed

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PSECU is closed to out of staters unless you have a family member who is a member.  

USAA, as mentioned before is not a CU.  

I'm a member at DCU and they offer generous starting limits.  I was initially approved for $500 at Alliant, but that was increased to $15K after 6 months.  

[Swapmeet]

USAA is not a CU, but that just means that anyone can join. They are, however, very generous when it comes to approval rates and CLs.

[bs6054]

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cowboyguy wrote:

Hi everyone,

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

PSECU

NASA

USAA

Penfed

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PenFed also have very strict underwriting requirements for many of their cards, so that might not match what you are looking for.

[Rhaeny]

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KausticRage wrote:

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.

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+1

DCU gave me $7500 right out of the gate so I am definitely a fan of them

[madmann26]

NFCU, if you can get in.

[bs6054]

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madmann26 wrote:
NFCU, if you can get in.

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The OP said, in his OP:

I'm not qualified for NFCU so apart from that

[p-]

Definitley Penfed.  And if you are qualified, USAA, even though it's not a CU, per se.  It also would be smart to forge a relationship with a small, local CU.  Sometimes there's no substitute for walking in and meeting with the person handling your decisions.