Credit Cards

[krash]

when i called and said what about the 20 bucks, they said u don't have to pay that to get in, it is a DONATION! I said ok..... well i guess since u people were so nice to me, i can DONATE 20 a year lol, or atleast this year ! !LOL

[smallfry]

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clgray wrote:

Patelco credit union is great. Read threads on board about how to get in. They are very bk friendly if scores are above 660. They pull only experian

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Careful with Patelco. I was rejected a few weeks back with a 717 EX score. Too much new credit. I had received 1 card in the last 7 months a few more nearly a year earlier. Penfed Jr.

[CanDoAttitude]

glamchick wrote:

Okay thanks for the great info.  Can someone walk me through on how to join a credit union?  What is MOA?  Can i do this online?  Do i have to go to a credit union bank? 

Let me know!  Thanks!

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Hi again glamchick,

If you want to join PenFed, you can either call or go online.

I'd advise you to call and speak with a real person since this

is the first time you've ever joined a CU.

Call Toll Free 800 247 5626

Website: http://www.penfed.org

They will walk you thru the enrollment process. If you need to join

one of the affiliate organizations in order to qualify for PenFed

membership, they will walk you thru that as well.

MOA is an abbreviation for one of the affiliate organizations. You

can pick which one you want to join, and PenFed can help you w/that.

Please keep us posted on your progress. Good luck to you!

CanDo

"The right attitude is everything"

[glamchick]

Thanks Im going to get started on this today and I will let you guys know If Im approved.!!!!!

[jmbfl]

smallfry -

You would have to post that about Patelco. I was considering them for one of my next moves. I just gotta figure out some way to get into NFCU...

[mzme2]

Sorry for jumping in so late........Scores Exp(679), TU(635), EQ(552)...........Does any one know I can get a CC from who mostly only pulls for EXP or TU? I don't have CC's and I'm 5 years 10 months outta Ch 7 BK? Only installments I have is Car & Student Loans.