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I called PSECU and they told me that since I'm still paying on a collection, it wouldnt be wise to apply for any of theri products. They have a firm policy on collection even if you're paying on it.
They like to see collections PIF before they will consider you for any of their products. Good thing I called and spoke to one of the loan officer.
Smug wrote:
5k visa last week,than barclays gave me 5k when the PSECU reported
The loan office said that if the collection i havfe (5 years old) was PIF, I would have gotten a 5/5 deal. 5k visa and 5 k PLC. Bummer !!!
I need a card with more than $2000CL
But are these collection PIF?
I originally got in last year with a FICO of about 650...got 10k Visa. In July of this year I app'd for CLI to the 20/20 combo with a FICO of 700, and after submitting 2 years W2's and last 2 pay stubs was approved. I have one paid collection on my reports.
@Anonymous wrote:I originally got in last year with a FICO of about 650...got 10k Visa. In July of this year I app'd for CLI to the 20/20 combo with a FICO of 700, and after submitting 2 years W2's and last 2 pay stubs was approved. I have one paid collection on my reports.
The good thing is that your collection is paid. Mine is still being paid and is active (with 7 more month left to pay)
But it seems like from this post some people have more than one collection and still got the card. That's why I will be calling them on Monday and talk to their loan analyst.
The one I spoke to even said if I didnt have this collection I would have gotten the combo 5k/5k
i got in with a 5k combo last month. EX score was around 660. Asked for 10 or 15, wasnt approved they said i can send in for the reason didnt bother was happy to be in with them, its already reporting.
for those who got a CLI with them how long did you wait ?
Was it another hard ?
@dnice77 wrote:i got in with a 5k combo last month. EX score was around 660. Asked for 10 or 15, wasnt approved they said i can send in for the reason didnt bother was happy to be in with them, its already reporting.
for those who got a CLI with them how long did you wait ?
Was it another hard ?
3 months for a CLI...yes, another hard. Everything's a hard with PSECU.