@corymcd88 wrote:Try Martin FCU is a very good credit union, Try PenFed is very good also.
@amercnchopz34 wrote:I was just wanting to dump some of my sub prime cards in a year or so .....
Getting a card from a credit union ...(fairwinds is in my area) Are they easier to get as in unsecured cards if you are not a member ....
How are they usually with APR's with BK reporting??? will it improve my FICO scores??
Just wondering if getting one of these hopefully with a 5000 limit or so would be better than my Cap one with 2000CL and some of my other sub 1000 cl 's
please chime in
thanks
+1 for PenFed
For these other CU that are not in my area ....what do I need to sign up?
@LS2982 wrote:
@corymcd88 wrote:Try Martin FCU is a very good credit union, Try PenFed is very good also.
@amercnchopz34 wrote:I was just wanting to dump some of my sub prime cards in a year or so .....
Getting a card from a credit union ...(fairwinds is in my area) Are they easier to get as in unsecured cards if you are not a member ....
How are they usually with APR's with BK reporting??? will it improve my FICO scores??
Just wondering if getting one of these hopefully with a 5000 limit or so would be better than my Cap one with 2000CL and some of my other sub 1000 cl 's
please chime in
thanks
+1 for PenFed
@visorboy1974 wrote:
@LS2982 wrote:
@corymcd88 wrote:Try Martin FCU is a very good credit union, Try PenFed is very good also.
@amercnchopz34 wrote:I was just wanting to dump some of my sub prime cards in a year or so .....
Getting a card from a credit union ...(fairwinds is in my area) Are they easier to get as in unsecured cards if you are not a member ....
How are they usually with APR's with BK reporting??? will it improve my FICO scores??
Just wondering if getting one of these hopefully with a 5000 limit or so would be better than my Cap one with 2000CL and some of my other sub 1000 cl 's
please chime in
thanks
+1 for PenFed
I do not believe PenFed is BK friendly for CCs. Alliant is though.
He could get in as a member and bank for awhile until the BK drops then go for it.
@visor I believe that is his goal but the reality is the BK is twarting any real attempt at prime cards for him at this time. Better to plan out your future moves while INQ's are gone and BK is off so a new slate is there for him.
We recently attempted to join a local CU. I say "attempted" because although we completed all the required paperwork and included copies of W2 info, FICO reports from Equifax and Transunion, pay records and our housing agreement -- we STILL don't know if we are members of this CU. We got an alert yesterday from our USAA CMS telling us that they pulled the CR from Experian. Trying to join this CU has been quite a process! Hopefully, we will hear something back from them pretty soon. We haven't even talked about opening a savings, checking or any credit products yet!!! Even joining PenFed wasn't THIS complicated. 
I hope things work out well for you amercnchopz34
@LS2982 wrote:
@visor I believe that is his goal but the reality is the BK is twarting any real attempt at prime cards for him at this time. Better to plan out your future moves while INQ's are gone and BK is off so a new slate is there for him.
Thank Visor and LS..
Yeah that is the goal to try and get a card with a higher limit and then be able to shred the cap 1 and HSBC 's of the world .......IT does not have to be prime as in 9.9 or below just competitive with maybe a 0 % for 12mos....something with a CL high enough to offset the Utilization on the other cards that I would be droping
...Then I can sit in the garden and let the other cards I have age a bit till BK drops off...
thanks for all your input ..
Its really appreciated .......