@Anonymous wrote:I found the combo Visa/PSL when I logged in and looked at products, max CL is $20k! I figure I should let my BCE report for a little while before applying, but good to know it is still available! If max is $20k, when the time comes what should I ask for, the whole $20k? Income is about 75~80k per year...
Going by your signature that would be quite a jump in CL. Existing CLs is the single biggest determining factor in my opinion for determining new CLs, even more than income. PSECU is generous but I am not sure if they are that generous. If you are going to apply go ahead and go for 20k. They counter.
LIMITS IN CARD DESCRIPTIONS
@Anonymous wrote:Crashem,
Should I wait until the BCE reports the tradeline, or just do it anyway (only card reporting currently is my Zync)?
I would wait at least 6 months then go for it, how many INQ's do you have on your EX file?
@Anonymous wrote:
@LS2982 wrote:
I would wait at least 6 months then go for it, how many INQ's do you have on your EX file?5 total, 1 amex from 2010, 1 verizon from 2011, and 3 from this month (2 from amex, 1 from chase)
oh I didn't realize all your cards are new. That is problem withcredit score. You are basically thin file. Hate to say it, go ahead and join but I wouldn't app for 6 months of reporting. Plus you can get the 61 day Amex cli by then.
I agree with Crashem. Wait a bit. When I applied (July 2012) I had only one inquiry on EX which was from March 2011. My highest CL at that time was 5K and I had 12 years for my oldest account on EX. When you do apply go for the full 20K. I made the mistake of only asking for 15K not realizing that they would counter. GL!!!
@Crashem wrote:
@Anonymous wrote:
@Anonymous wrote:A_Madel, do you have any immediate family members in PA? That is an easy way in. Once I was approved, I was told any immediate family members could now join that I was a member. I got in through the PA Parks and Recreation donation which I donate yearly to anyway.
Nope, unfortunately I don't. Howevee, I may have eligibilty through an employer association. I was actually almost throught the membership application and backed away from the edge.... Lol
I may keep them insight for next year. Gotta let my newbies age and build some distance from my recent inqs. I saw the PA parks & recreation membership, that was a good backdoor. But, they have it under lock and key now - you must also be a state resident.
madel, someone else will need to confirm. Is there a hard inquiry just to join? If so, I would take inquiry now so it can age with rest. Otherwise your plan seems sound.
Just to bring this back, now that I am officially a PSECU member, all forms in and I am getting CC offers already in the mail... there was no hard inquiry for my app which is awesome because it is one less inquiry I need to worry about!