Secured cc and CU?

[Anonymous]

Reading the recent post under mine with the secured cc and ppl saying that CU DON'T pull a hard when u try to get a secured cc with them. Is that correct? And if so would It drop your AAoA?.....I mean I been gardening for 3 months and going steady but if they don't pull a hard and helps me build a stronger relationship with the CU (cause I already have a savings account with 2 CU) but I mean it would show that I a more loyal member with the CU and better things may come in the future.

Thanks for the inputs in advanced.

[bichonmom]

Each CU makes their own rules, so you would need to check with the CU you're interested in and ask their loan officer if they would do a hard pull to get a secured CC.

Regarding your question about the AAoA, I'll let more experienced posters answer.

[Wolf3]

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@Anonymous wrote:
Reading the recent post under mine with the secured cc and ppl saying that CU DON'T pull a hard when u try to get a secured cc with them. Is that correct? And if so would It drop your AAoA?.....I mean I been gardening for 3 months and going steady but if they don't pull a hard and helps me build a stronger relationship with the CU (cause I already have a savings account with 2 CU) but I mean it would show that I a more loyal member with the CU and better things may come in the future.

Thanks for the inputs in advanced.

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Any new account will lower your AAoA.   If you want to build a credit relationship with your CU, a secured card is good way to do it, and I would not worry about the inquiry.

[Anonymous]

Well Isnt it the same if I just keep my savings account and not add another inquiry cause I REALLY want to get a loan for a motorcycle maybe December when the bikes are cheaper or beginning of next year and I wanna be squiky clean so I get approved. BUT I also want the best strategy to goon about this. (I do eventually want a cc with a high limit with them )