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Best Credit Unions out there

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hussain99
Established Member

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?
Message 11 of 37
kimmiller112
Frequent Contributor

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
Message 12 of 37
webhopper
Moderator Emeritus

Re: Best Credit Unions out there

A few ive seen on this board... ft. Know CU; alliant; DCU; Martin cu; psecu
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 13 of 37
eviLution
Established Contributor

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


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 14 of 37
Anonymous
Not applicable

Re: Best Credit Unions out there

DCU!

Message 15 of 37
codimom
Frequent Contributor

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.

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 16 of 37
p-
Valued Contributor

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.

Message 17 of 37
rootpooty
Valued Contributor

Re: Best Credit Unions out there

NFCU

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 18 of 37
knoregs
Established Contributor

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

 


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 19 of 37
eviLution
Established Contributor

Re: Best Credit Unions out there

They pulled EQ for me.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 20 of 37
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