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Established Member
Posts: 32
Registered: ‎11-20-2012
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Re: Best Credit Unions out there

Thanks for your input guys. I still have a few questions in mind:

1. Does DCU ask for pay-stubs/W-2 on credit card application?

2. To me, the biggest drawback of CUs are two HPs (one at the time of membership application & the other for CC). Is it possible to somehow get only one HP?

3. If I am eligible for PSECU, is it a good CU in terms of initial CL, CLIs, no pay-stub hectics etc?
Frequent Contributor
Posts: 473
Registered: ‎04-09-2012
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Re: Best Credit Unions out there

My DCU membership is still pending.  I have applied and gotten approved for a $7500 card which I will get once I have my membership number.  They did ask for one paystub for me.  It was two hard pulls, one for the membership and one for the credit card.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
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Re: Best Credit Unions out there

A few ive seen on this board... ft. Know CU; alliant; DCU; Martin cu; psecu

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Established Contributor
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Registered: ‎06-11-2012
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Re: Best Credit Unions out there

I'm with DCU.

 

They approved me within a few days for membership and they actually gave me a $1,500 CL CC with a thin file. All I had to do was scan my ID and paystub, then I emailed it to them. 2 HP on EQ for membership and CC app though. I read that you can get away with 1 HP if you apply in person


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Registered: ‎05-06-2012
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Re: Best Credit Unions out there

DCU!

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Re: Best Credit Unions out there

I have a membership with Alliant credit union (by choice) and Security Service Federal cu (because of my car loan...) .  I have been with Alliant for many many years and they've always treated me well.

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Re: Best Credit Unions out there


hussain99 wrote:
2. To me, the biggest drawback of CUs are two HPs (one at the time of membership application & the other for CC). Is it possible to somehow get only one HP?

When I joined penfed, they used the same pull for membership and two loan apps.  Check out the boards here; I think it's one pull for 30 or 90 days with them, for all credit products.

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

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Re: Best Credit Unions out there

NFCU

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Established Contributor
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Registered: ‎06-04-2012
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Re: Best Credit Unions out there


KausticRage wrote:

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


Do you remember who they pulled from? Equifax perhaps?

 

~kn

 


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Re: Best Credit Unions out there

They pulled EQ for me.

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