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Posts: 9,892
Registered: ‎09-22-2012
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Re: University of Michigan CU aka UMCU

I know this is a dead thread (6 months old), but was wondering if anyone knows who they pull for membership and cards?

Regular Contributor
Posts: 134
Registered: ‎02-18-2012
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Re: University of Michigan CU aka UMCU

Hi, 

 

They pull transunion only for credit. No pull for membership. Also the credit pull is valid for 30 days. 

 

btw pretty awesome Credit Union

 

Hope this helps

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Re: University of Michigan CU aka UMCU


aloush11 wrote:

Hi, 

 

They pull transunion only for credit. No pull for membership. Also the credit pull is valid for 30 days. 

 

btw pretty awesome Credit Union

 

Hope this helps


It does a lot and thanks for quick reply!!  Any idea how they are with new accts but low inq?  Is it true they have no BT fee?

Regular Contributor
Posts: 134
Registered: ‎02-18-2012
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Re: University of Michigan CU aka UMCU

No problem

 

They really look at the whole picture, if they are not able to approve you for something they dont just say NO. They will send you to a financial counselor to make sure you know what your doing. They sent me there when I requested a 20k Personal Loan. I did it all over the phone and was recommend for the loan. 

 

I had several new accounts and I was never asked about it. I was asked to prove income so I emailed them a copy of some stubs. 

 

They have no transfer fee and I think the rate is 8.99%. I was initially approved at 3k and after using it for a couple weeks I called back and asked if I could get it bumped to 8k and they countered at 5k. All with the same pull. 

 

 

Valued Contributor
Posts: 2,718
Registered: ‎02-18-2014
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Re: University of Michigan CU aka UMCU


B335is wrote:

aloush11 wrote:

Hi, 

 

They pull transunion only for credit. No pull for membership. Also the credit pull is valid for 30 days. 

 

btw pretty awesome Credit Union

 

Hope this helps


It does a lot and thanks for quick reply!!  Any idea how they are with new accts but low inq?  Is it true they have no BT fee?


From the website there is no BT fee and in fact pay 1% to transfer a balance if the balance remains for 3 months before being transferred again (not sure what happens if you pay it off).  Don't know anything about the service or application process.

AMEX (BCP - $25K, Platinum - NPSL, SCP Bus - $17.5K, SPG - $20K)|BOA (BBR - $15K, CR - $15K)|Barclays (Arrival+ - $17.5K, Ring - $15K)|Blispay - $10K|CAP1 (QS - $30K, Venture - $30K)|Chase (AARP - $15K, freedom - $5.5K, CSP - $25K, MRP Bus - $15K, Slate - $13.5K)|Citibank (DC - $28.2K, HD - $25K)|Discover it - $32.5K|Fidelity IR - $16K|Huntington Voice - $17K|LMCU - $10K|NFCU (cashRewards - $30K, GoRewards - $30K, CLOC - $15K)|PFCU (CR - $30K, Defender - $20K, LOC - $10K)|Synchrony Lowe's - $25K|US Bank Cash + ($12.5K, $21K)|USAA (Cash Rewards - $16K, Rewards - $23.4K, WPAOG - $10.5K)
Regular Contributor
Posts: 134
Registered: ‎02-18-2012
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Re: University of Michigan CU aka UMCU

Can you send me where you see that? I dont ever remember reading that

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Posts: 2,718
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Re: University of Michigan CU aka UMCU


aloush11 wrote:

Can you send me where you see that? I dont ever remember reading that


http://www.umcu.org/Credit_Card_Comparison_Chart_94.html

AMEX (BCP - $25K, Platinum - NPSL, SCP Bus - $17.5K, SPG - $20K)|BOA (BBR - $15K, CR - $15K)|Barclays (Arrival+ - $17.5K, Ring - $15K)|Blispay - $10K|CAP1 (QS - $30K, Venture - $30K)|Chase (AARP - $15K, freedom - $5.5K, CSP - $25K, MRP Bus - $15K, Slate - $13.5K)|Citibank (DC - $28.2K, HD - $25K)|Discover it - $32.5K|Fidelity IR - $16K|Huntington Voice - $17K|LMCU - $10K|NFCU (cashRewards - $30K, GoRewards - $30K, CLOC - $15K)|PFCU (CR - $30K, Defender - $20K, LOC - $10K)|Synchrony Lowe's - $25K|US Bank Cash + ($12.5K, $21K)|USAA (Cash Rewards - $16K, Rewards - $23.4K, WPAOG - $10.5K)
Regular Contributor
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Re: University of Michigan CU aka UMCU

Thats AMAZING! Its new to me. lol 

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