I just got my new Unify Variable-Rate VISA card in the mail yesterday, with a SL of $5k at 5.24% V. If your EX FICO Score 2 (regular Score 2, not the Bankcard or Auto versions) is 740 or higher and you want to obtain an exceptionally low-APR, long-term card, I would highly recommend this one. Unify's Fixed-Rate VISA card as low as 8.99% F is also very nice as well, but has tougher underwriting criteria to get approved for the lowest rate, whereas with the variable-rate card you can still get the lowest-available rate with virtually any SL. Additionally, the CU reps are very pleasant and friendly to do business with, IME.
Nice, enjoy your new card
Good to know for future reference
Good to know for future reference
Thank you Joe!
No probs Galahad Quick question and forgive my laziness tonight, but is the Unify Visa open to anyone to apply or is it a regional credit union? Just curious in case in future my scores hit that special mark and i look for a low apr card . Thanks
Quick question and forgive my laziness tonight, but is the Unify Visa open to anyone to apply or is it a regional credit union? Just curious in case in future my scores hit that special mark and i look for a low apr card . Thanks
@AverageJoesCredit wrote:
No probs Galahad
Some good news: Unify is open to anyone to apply to They do have regional branches, but they don't require you to apply for their cards or for CU membership in-branch; you can either apply by phone or online. (I did it by phone just b/c I found the process easier, plus IIRC, I was able to app for the card and find out if I was approved for it, before actually joining the credit union.)
