CU credit cards

[afbar1114]

why do some people have credit union credit cards and are they good? not apping just wondering

[Anonymous]

Well not completely sure what it is your asking as to why?  Credit Union Credit cards are no diffrent than any other card as far as a credit card goes but they are and do intent to be a lot easier to get once your a Credit Union member and they are usually very gracious.  I might have stretched the easier to get a card part but once your a member of a Credit Union it's usually easier than with a regual Bank mybe that was a better way of explaining it! 

[afbar1114]

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@Anonymous wrote:

Well not completely sure what it is your asking as to why?  Credit Union Credit cards are no diffrent than any other card as far as a credit card goes but they are and do intent to be a lot easier to get once your a Credit Union member and they are usually very gracious.  I might have stretched the easier to get a card part but once your a member of a Credit Union it's usually easier than with a regual Bank mybe that was a better way of explaining it! 

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ok i see.. so its no diffrent then chase or BoA

[webhopper]

They have better interest rates; more generous starting credit limits

[afbar1114]

OK i see now. 

[MissImMe]

They are more generous IMO. My new Citi started with $1900 and my CU Visa started with a $5000 CL. The interest rate was almost 20% lower.

[afbar1114]

wow this is great...like i said not apping now but maybe in 12 months so i can get my other cards higher. 

[Brian_Trying_700]

I always thought credit unions were for the new comers getting credit.  Great forum. What else is great about CU'S?

[lanc]

Credit unions are non profit so it's assumed their loan products will be a lower rate and their deposit rates are higher.  This isn't always the case.  Also, joining a CU you're actually owning a share of the company.

[LS2982]

Like others have said, good starting limits are usually the big thing with CU's. I'm hoping to attain this next year with PSECU.