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Frequent Contributor
Posts: 320
Registered: ‎05-03-2009
0

CU RECOMMENDATIONS

I have an Alliant credit card.  Definitely interested in 1 additional CU card b/c of major banks schizophrenic behavior.

 

I have read a lot about PenFed (great CU but can be difficult to obtain) and NFCU (limited membership).

 

Anyone have experience with other CUs that have liberal membership requirements, good credit products, and that pull EQ (my best).  I live in California and most (actually all)  locally based CUs pull Experian.

 

Thanks

I want PATIENCE...and I want it NOW
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: CU RECOMMENDATIONS

This site may be of interest:

 

http://www.ccul.org/

 

Did I advise you recently to wait for a while and then app PenFed, or am i loopy?

Frequent Contributor
Posts: 320
Registered: ‎05-03-2009
0

Re: CU RECOMMENDATIONS


creditwherecreditisdue wrote:

This site may be of interest:

 

http://www.ccul.org/

 

Did I advise you recently to wait for a while and then app PenFed, or am i loopy?


You're a sly one.  Realistically, PenFed is probably a year away.  My immediate concern is to have immediate backup to CITI, Chase, GEMB.

 

Thanks for the link.

I want PATIENCE...and I want it NOW
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: CU RECOMMENDATIONS

This is a large CU located in CA that many people like:

 

https://www.patelco.org/

 

Don't sell yourself short on PenFed. If you are interested you have to present a reasonably clean slate to them. In order to do so you have to freeze your app's.

Senior Contributor
Posts: 3,871
Registered: ‎01-10-2008
0

Re: CU RECOMMENDATIONS

addison avenue and patelco but they both pull EX as do most in your location afaik.
DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Frequent Contributor
Posts: 320
Registered: ‎05-03-2009
0

Re: CU RECOMMENDATIONS


creditwherecreditisdue wrote:

This is a large CU located in CA that many people like:

 

https://www.patelco.org/

 

Don't sell yourself short on PenFed. If you are interested you have to present a reasonably clean slate to them. In order to do so you have to freeze your app's.


Thanks again for the link.  The problem is that most California CUs pull EXP (including Patelco)  For some reason, all my majors (CITI, Chase, AMEX, US Bank) and both my leases pulled EXP, I have in excess of 10 inq. on EXP, but only 3 on EQ.  That's the dilemma.

I want PATIENCE...and I want it NOW
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

Re: CU RECOMMENDATIONS

Seems like you've got quite a few cards from the majors, and a CU backup card, too.

 

If you really want another CU card, why not hold off on the apps until your inquiries fall away?  Your score will go up as the inquiries fall off, and you'll set yourself up to qualify for the more stringent CU lenders.

 

I echo creditwherecreditisdue's advice.  Stop app'ing for now.

 

 

 

Carry on...

Senior Contributor
Posts: 4,834
Registered: ‎04-20-2007
0

Re: CU RECOMMENDATIONS

I was denied a card mid 2008 from Patelco for some of the reasons you might get a denial from Penfed today. Too much new credit. The BK didn't help. I would wait. Unsuccessful on recon. Wasted Experian pull.
Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0

Re: CU RECOMMENDATIONS

CCCU used to be a hot item on this site.  I opened account 1/08.  very good to do business with.  they just gave me 2500 cli without my asking and no pull.  Originally they pulled hard on EX and soft on EQ..

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