11-07-2009 01:18 AM
Joined PSECU about 3 weeks ago to take advantage of EX fico. Only applied for
savings account.One of forms members comment was correct,you need a checiking account
or have one of their credit products to qualify. I wasn't sure if they would do another hard
pull for the checking account and really didn't need another CC so I applied for personal loan
not wanting to waste a INQ. Applied for 10,000 personal loan no instant approval but
logged on to account few hours later and was approved. Also said I was approved for 7,000
dollar visa with same inquiry (gladly accepted ) got two approvals with 1 inq hit
Great CU very generous TL's are on CR allready haven't even received card yet
11-07-2009 05:21 PM
Ask them to combine the PSL and Visa....then you will have a $17,000 Visa. The TL's will each report as $17,000 on CR, so any balances will be offset by higher "limits."
You can also access the credit limit of the PSL from the Visa, but get the Visa rate (lower) than the PSL.
The combined account is called PSL/Visa
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.