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CU credit cards

Valued Contributor

CU credit cards

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


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 1 of 20
19 REPLIES
Frequent Contributor

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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Message 2 of 20
Valued Contributor

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


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 3 of 20
Moderator Emeritus

Re: CU credit cards

They have better interest rates; more generous starting credit limits

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Message 4 of 20
Valued Contributor

Re: CU credit cards

OK i see now. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 5 of 20
Established Member

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.
Message 6 of 20
Valued Contributor

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. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 7 of 20
Frequent Contributor

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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Message 8 of 20
Regular Contributor

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.

Message 9 of 20
Mega Contributor

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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Message 10 of 20