Credit Cards

[hussain99]

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?

[kimmiller112]

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.

[webhopper]

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

[eviLution]

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

[JPmorgan]

DCU!

[codimom]

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.

[p-]

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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?

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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.

[rootpooty]

NFCU

[knoregs]

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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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Do you remember who they pulled from? Equifax perhaps?

~kn

[eviLution]

They pulled EQ for me.