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GEMB just closed my only revolving account
I was thinking about boa secured until I saw all the good things about alliant.
I really want to get in with alliant but,
I need to wait until the first of next year when a few baddies fall off
and my score increases,right now my eq fico is 638 tu is 657
So my question is should I try and get a new cc maybe orchard or something ?
Would a sub-prime cc help or hurt ?
How would a big cu or bank look upon someone applying, but not already having
any revolving credit
Where I live we only have 1 cu within a 35-40 mile radius and they are very conservative I have friends and
coworkers no one seems to have cc ..a couple have auto loans, no home loans unless your top teir.
I was a member for years, I left after the office manager insulted me and and practically
called me a liar for trying to deposit a cashiers check..long story short I closed my account
on the spot and took the check to a local bank and opened an account there, but they too are
conservative and their cc are through elan and no one at the bank can tell me about them.
just told to call elan and speak with them,elan says to apply and will see what happens.
Any info on elan cc ?
I don't have the thread handy (maybe someone else will point it out) but there is one listing a lot of CU that are open to just about anyone to join. So you could join online. I will tell you from personal experience that I've had a CU give me an auto loan when absolutely no one else would touch me & I also just got my first CC in over 5 years from a CU with a ton of bad stuff on my CR & pretty low scores.
I know there are ways to join several like Penfed and Alliant that can be done by anybody although I've heard Penfed is pretty much for those with impecable credit only & Alliant is probably not far behind but there are other CU. I researched many before I joined Navy. (but they are only open to military & through them their families so that may not be an option for you??) I also looked at local CU & was not to happy with what I had to pick from. With the internet these days it is hardly a bother to deal with a bank/CU that doesn't have a local branch. I have a savings account & CC with CU & I also have a checking account with a bank in NY & its been just as easy to use as my local BB&T is. (my main bank)
@Anonymous wrote:Where I live we only have 1 cu within a 35-40 mile radius and they are very conservative I have friends and
coworkers no one seems to have cc ..a couple have auto loans, no home loans unless your top teir.
I was a member for years, I left after the office manager insulted me and and practically
called me a liar for trying to deposit a cashiers check..long story short I closed my account
on the spot and took the check to a local bank and opened an account there, but they too are
conservative and their cc are through elan and no one at the bank can tell me about them.
just told to call elan and speak with them,elan says to apply and will see what happens.
Any info on elan cc ?
Sounds to me like you live in a very unfriendly town..that has a 1 Saloon, 1 Sheriff, 1 Bank, and everyone knows each other by name maybe a Capital One, or a Secured B of A card might do the trick. I wouldn't go with the worst one's like First Premier, or Orchard bank but some people seem to like them more then others...I think they are fee hog's I wish you luck my friend.
King