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Regular Contributor
Posts: 124
Registered: ‎08-04-2007
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            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 

Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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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

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Regular Contributor
Posts: 171
Registered: ‎03-11-2009
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Hi-I wanted to ask you.....I have been approved for PSECU with a 10k Visa, 10k PSL


Will this report as 20k each line?

Equifax 657
Experian 711 (Per Lender)
Frequent Contributor
Posts: 306
Registered: ‎12-30-2008
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Is there any other way to join if I live in Colorado, not employed by participating organization and do not have family member there?

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