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Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

UPDATE! EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?

[ Edited ]

I'm trying to find a great credit union here in florida that offers high credit limits.I have one collection on my credit report so I need a credit union that is some what forgiving about reports that are not totally clean. Any suggestions? HELP!!

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Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?

Any advice?

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qtcbcute
Posts: 97
Registered: ‎06-28-2008

Re: EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?

Try Florida Central Credit Union. I don't have a card with them but was able to refinance my car with no problem. 



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Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?


qtcbcute wrote:

Try Florida Central Credit Union. I don't have a card with them but was able to refinance my car with no problem. 


Thanks

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distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?

best is USAA and NFCU :smileyvery-happy:

 

besides that best is DCU but not in Florida =(   GTE isn't bad though, and I don't know where in Florida but if your around Tampa Achieva CU is decent.


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Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011

Re: EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?

Not sure which are "easy" but First Florida is pretty good...my dad is a state employee and that's the CU they use (but you can join if you're a resident of certain counties). They sent him a CC out of the blue, $6k CL and no hard pulls or anything. Granted, he's been there for like 28 years, but still. I've never heard of just getting a credit card without even applying.

 

Where are you located? Most CU's are based on location. I'm a member of the Florida State University CU, but it's restricited to Alumni/Students/Faculty and people in Leon and surrounding counties. Florida Commerce CU is another one I've seen a lot of, but I think that's only for north FL. 

 

There are a lot of CU's in Florida, but since they're almost all restricted to local residents, you have to look up CU's in your specific area.

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Mellon
Posts: 338
Registered: ‎08-31-2007

Re: EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?

Try GTE FCU. They pull EQ and they gave me a $3k Platinum Visa. 2 Paid Midland accounts were on my CR at the time. Score at approval was 690

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Established Contributor
MountainHiker
Posts: 651
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UPDATE! EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?

Thank you everyone for your helpfull advice. After calling up a few of the suggested CUs, the one that seem to offer the best card and services was DCU, so I went for it.I was very leery about applying with a unpaid collection on my credit file but my scores are decent and I wanted to add a Credit Union in order to get a respectable credit limit. This is neccessary for spending purposes, flexible ulti management,and to improve my odds of getting future higher limit cards. I was ask how much did I want and I replied $3K and was approved for that amount. Very pleased and gratefull. Will now garden till around april then I want to app for a Discover Card.

 

I'm curious how often does DCU offer CLI's?

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distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: UPDATE! EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?


MountainHiker wrote:

Thank you everyone for your helpfull advice. After calling up a few of the suggested CUs, the one that seem to offer the best card and services was DCU, so I went for it.I was very leery about applying with a unpaid collection on my credit file but my scores are decent and I wanted to add a Credit Union in order to get a respectable credit limit. This is neccessary for spending purposes, flexible ulti management,and to improve my odds of getting future higher limit cards. I was ask how much did I want and I replied $3K and was approved for that amount. Very pleased and gratefull. Will now garden till around april then I want to app for a Discover Card.

 

I'm curious how often does DCU offer CLI's?


it's funny you ask for CU in Florida and get one in Mass =P


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: UPDATE! EASIEST FLORIDA CREDIT UNION W/HIGH LIMIT?


distantarray wrote:

MountainHiker wrote:

Thank you everyone for your helpfull advice. After calling up a few of the suggested CUs, the one that seem to offer the best card and services was DCU, so I went for it.I was very leery about applying with a unpaid collection on my credit file but my scores are decent and I wanted to add a Credit Union in order to get a respectable credit limit. This is neccessary for spending purposes, flexible ulti management,and to improve my odds of getting future higher limit cards. I was ask how much did I want and I replied $3K and was approved for that amount. Very pleased and gratefull. Will now garden till around april then I want to app for a Discover Card.

 

I'm curious how often does DCU offer CLI's?


it's funny you ask for CU in Florida and get one in Mass =P


lol. You know something, I really wanted to get one in florida but I couldn't find one that offered the kind of credit limit and reward card pluses that I was looking for.Of the choices offered many didn't have high limits or they charged ATM or some other fees. DCU has been talked about before on this site by other posters.Thank you for mentioning that CU.You reminded me of previous comments about this option. Hope it works out well.

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