Credit Cards

[Scamp]

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davilleduck wrote:

Well, I was getting all excited about the 'PENFED' info until I looked it up and it is, once more, for Military, family members, workers any kind of Fed Gov't connection.  I just stated that we don't qualify for any Federal Credit Union.  Closest I can come is USAA as I was dumped by my lovely LT. Col after 23 years of marriage (he eventually married the 'woman he didn't leave me for) and I was summarily booted out of the infrastructure I had lived in for 23 years.  Don't I get a break somewhere?

Message Edited by davilleduck on 07-29-2008 12:31 PM

Message Edited by davilleduck on 07-29-2008 12:31 PM

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You can join PenFed via joining the National Military Families Association (NMFA) first (or simultaneously, if you call PenFed and open the share account on the phone with one of their CSR's).

That's how I got a toe in with PenFed, though I was turned down for their CC at the time. 

There's your break.

[l9ikjam]

Juny gave me a $500 limit with a 720 credit score. I'm coming up on 6 Months and if I don't see a increase I'm gonna close the card.
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Which Juni card?

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The Emigrant Direct

[Math_Rocks]

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casinoannie97 wrote:

CCCU will pull hard on EX and soft on EQ. Takes a little while but they are great. I think Cap One will combine your cards. They did mine.

Message Edited by casinoannie97 on 07-28-2008 07:31 PM

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Just so you know, we applied for CCCU with a Ch. 7 BK over 7 years old and got declined. I've considered doing a recon but someone here said that they do manual review so the decision is final.

They sound great though so we may try again in 6 months.

[Uncle_Money]

Hi Danvilleduck,

I've had Juniper for over 1 year now and still have the same lousy $500 CL! I have no late pays and after 6 months I requested the increase and they said it wasn't available. I PIF and haven't used the card since. This card gets a BIG THUMBS DOWN people!!!

Message Edited by Uncle_Money on 07-29-2008 09:41 PM

[Uncle_Money]

Hi l9ikjam,

Don't hold your breath with Juniper. I've had my card over 1 year and I'm still at $500. I have a perfect payment record with them and all of my creditors. They declined me for an increase. Thumbs down to this CC.

[l9ikjam]

I canceled they're card b4 and i'll cancel it again. I've been thinking of getting rid of some of my cards anyway. they will just make my decision easier.

[smallfry]

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Math_Rocks wrote:

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casinoannie97 wrote:

CCCU will pull hard on EX and soft on EQ. Takes a little while but they are great. I think Cap One will combine your cards. They did mine.

Message Edited by casinoannie97 on 07-28-2008 07:31 PM

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Just so you know, we applied for CCCU with a Ch. 7 BK over 7 years old and got declined. I've considered doing a recon but someone here said that they do manual review so the decision is final.

They sound great though so we may try again in 6 months.

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Lots of these small to mid size credit unions have been besieged by applications over the course of the past couple of years. They can not handle the volume of apps and in most cases are inferior to the larger ones in every way anyway.

I would stick with the largest ones. Navy Penfed and the like. Do a Google search for 50 largest credit unions and you will see who has what. Stick with the ones who have federal charters.

[rbbyrbsn]

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unknown_entity wrote:

WaMu has 2 cycle billing.....  Juniper/Barclays ain't no prize, they rank down there with HSBC in my book.

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That gives you 60 days to PIF

[MidnightVoice]

I have $24.5K on two Junny cards and have never had a problem.  Thier CLIs are small, but I get gas and books for free, so they are keepers

[MsMS]

If you qualify for USAA, I'd talk to them- emphasis on "talk".  Their customer service is excellent, and they should be able to let you know if they can help.

I have a MC with them and am quite happy with it.

-MsMS