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I get so confused. Im doing my research now for a couple of applications I'll be doing in a few months. I see CUs are typically going to be a good place to look for a decent card with a decent limit and decent scores. Ive visited a couple sites that others have mentioned, but Im not eligible. I know nothing of CUs.
So could anyone suggest any CUs that might be good for me here in Clarkston, MI. I see a couple advertised in the area, but I dont know if they are decent places to go or not. Just looking for a good card with an OK limit.
Whatcha think?
@jcstarkey8826 wrote:I get so confused. Im doing my research now for a couple of applications I'll be doing in a few months. I see CUs are typically going to be a good place to look for a decent card with a decent limit and decent scores. Ive visited a couple sites that others have mentioned, but Im not eligible. I know nothing of CUs.
So could anyone suggest any CUs that might be good for me here in Clarkston, MI. I see a couple advertised in the area, but I dont know if they are decent places to go or not. Just looking for a good card with an OK limit.
Whatcha think?
In order to join a Credit Union, typically you have to be affiliated in some way with an organization, job, etc. Use http://www.ncua.gov/NCUAMapping/Pages/NCUAGOVMapping.aspx to find a credit union. Then, based on your results, look up the memership criteria for each and see if you qualify (or can qualify by joining an organization). Good luck!
This thread talks about a member who is a member of a credit union who actually reissued him the credit card after he paid what was owed (defaulted and charged off).
Forgiveness like that is hard to find. I think he mentioned that it served Michigan, Wisconsin, and Illinois.
Its called First Community Credit Union. Might be worth checking them out.
@webhopper wrote:This thread talks about a member who is a member of a credit union who actually reissued him the credit card after he paid what was owed (defaulted and charged off).
Forgiveness like that is hard to find. I think he mentioned that it served Michigan, Wisconsin, and Illinois.
Its called First Community Credit Union. Might be worth checking them out.
Very Nice, thank you!
I just realized Clarkston is not in the appropriate country for the one from that thread... But Check out
http://michiganfirst.com/Personal/Borrow/Credit_Cards/
I think this will give you an option. If you live in Oakland County, You are eligible to join the CU. Their credit card rates are as low as 7.9% and they have a points reward system. Not too shabby.
@webhopper wrote:I just realized Clarkston is not in the appropriate country for the one from that thread... But Check out
http://michiganfirst.com/Personal/Borrow/Credit_Cards/
I think this will give you an option. If you live in Oakland County, You are eligible to join the CU. Their credit card rates are as low as 7.9% and they have a points reward system. Not too shabby.
That is pretty good!!!
While this link is for bank / CU accounts and not CC specifically it might be helpful for locating one that you can join. They screen according to joining requirements whether it's locally available or nationwide.
http://www.depositaccounts.com/checking/reward-checking-accounts.html
The key thing about local cu is that you can go into it and talk to decision maker. Bring your credit report and basically ask if you have a chance. Cu have various policies and attitude towards rebuilding. So good to get opinion so you don't waste hard pull.