No question about it...Orchard Bank Platinum VISA
J/K...From this point forward, my 3 Rivers FCU Visa Platinum Credit Card. Not only is it the highest limit card I have at $3,000, but it has the lowest APR, no AF, and I support a credit union instead of a banking institution that judges me only by a FICO/ credit file.
Plus, they looked at the WHOLE consumer and took a chance on a loyal customer. Yes, it's a lender's preragative to do so, but it honks me off that I have them tell me "Everything looks great...if only that BK wasn't there, we'd approve you".
Yes, if only I hadn't been saddled with $15,000 in medical bills to keep my son breathing, I would have the "honor" of carrying you in my wallet. Sure, I didn't HAVE to file BK...I could have just waited while vultures closed in, attached my bank accounts, garnished my wages, and basically destroyed my ability to support a family of 5.
My credit union didn't even blink...in fact, THEY contacted me to finish the CC application and approved me nearly immediately after I applied. Customer for life they now have.
Starting Score: EQ 546, EX 547, TU 580
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