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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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CU credit cards

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


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Frequent Contributor
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Re: CU credit cards

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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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: CU credit cards


BigDaddy18 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! 



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


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Moderator Emeritus
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Re: CU credit cards

They have better interest rates; more generous starting credit limits

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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: CU credit cards

OK i see now. 


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Established Member
Posts: 24
Registered: ‎04-01-2012
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Re: CU credit cards

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.
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: CU credit cards

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


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Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: CU credit cards

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

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Regular Contributor
Posts: 150
Registered: ‎11-05-2011
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Re: CU credit cards

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.

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: CU credit cards

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.




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