PSECU APPROVAL

[Anonymous]

Nice, congrats! I'd love to join PSECU - but mainly for the EX score. Unfortunately (or fortunately ) I don't live in PA and I don't have any relatives out there, so it doesn't seem like theres an in with them. I can't believe they're the only CU offering the score. I get EQ from DCU and TU from Walmart, now I just *need* my EX score somehow.

[max2mum]

My score at the time-ex-642.  It is not score driven. They look at your complete picture.  I called on the phone and did the app with a rep.  As far as I know you  have to live in PA to be a member, or work for a company that is a member.  You can certainly call them and explore all possibilites with them.

[TryN2Rebuild]

I got in before they stopped taking people that didn't live or work in PA.

[visorboy1974]

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@ewingerter wrote:

visorboy1974,

If you don't mind me asking what were your scores when you app'd? Where they inq sensitive? Were they UTL sensitive? Thanks for the info!!

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EX FICO was 703 when I was approved.  

OP, as for a way to avoid the in between stop, I'd just use the card a bit if I were you...I think their CLI process is pretty easy.  

[Anonymous]

I wish I could join PSECU but unfortunately I don't have a relative living there but my parents do have a friend who lives there. I wonder if she can vouch for me as being a relative if she becomes a member 

[Chaos122]

Congrats, Psecu keeps giving me the cold shoulder.    Theyve declined me 3 times over the last year and a half for recent inquries or recently opened accounts.  Im going to wait till all my accounts and inquiries are over a year old and try again.  They could care less about my fico score, they said they dont want to see any new accounts.  Ive seen other people getting approved with a bunch new accounts, but their playing hardball with me,lol

I completely understand where their coming from, its just annoying that i can get approved for amex and chase and the "lenient" psecu wont budge.

Maybe next year

[LS2982]

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@Chaos122 wrote:

Congrats, Psecu keeps giving me the cold shoulder.    Theyve declined me 3 times over the last year and a half for recent inquries or recently opened accounts.  Im going to wait till all my accounts and inquiries are over a year old and try again.  They could care less about my fico score, they said they dont want to see any new accounts.  Ive seen other people getting approved with a bunch new accounts, but their playing hardball with me,lol

I completely understand where their coming from, its just annoying that i can get approved for amex and chase and the "lenient" psecu wont budge.

Maybe next year

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Let your accounts age and they'll approve you!! You have to look at it as how bad do you want this card?? Can you garden for a year for it??