What purpose does a local credit union have if all the do is deny you?

[kezia2410]

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@CreditGuy03 wrote:

Gheesh my local credit union in Houston is the worst. I have a 665 credit score and was denied for a Credit Card saying too many inquires (3 in past 12 months). Most credit unions give you anything they offer when your credit is over 620. Not this one. I thought the credit union was supposed to be there for the MEMBERS? The card amount I requested was $7000. If they wouldnt approve that amount you would think they would say "Lets start out at $500 for a while and go from there" Nope flat out denial.

Why do stingy credit unions even exist? 

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Do you mind sharing the name of the credit union? I live in Houston also and looking for a good credit union to get a cc. But I would like to steer clear of this one if they are stingy!!

[cobbson]

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@jd352 wrote:

My credit union is great. $40k in total CL - $20k credit card and $20k personal loan (should I ever need one - it is already approved). Then again my CU is rated one of the best by members on here who don't qualify for US gov't CU's. Definitely keep looking around and try to do research before joining. See what is available, do the research, then join and apply for credit. 

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I went to Central High School in Philly and Temple University. Does that qualify me to join the PSECU? I wish, just kidding. I heard it is one of the best in the country.

[jd352]

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@cobbson wrote:

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@jd352 wrote:

My credit union is great. $40k in total CL - $20k credit card and $20k personal loan (should I ever need one - it is already approved). Then again my CU is rated one of the best by members on here who don't qualify for US gov't CU's. Definitely keep looking around and try to do research before joining. See what is available, do the research, then join and apply for credit. 

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I went to Central High School in Philly and Temple University. Does that qualify me to join the PSECU? I wish, just kidding. I heard it is one of the best in the country.

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Believe it or not, maybe! If you still have a family member in the state, they can join. Then, if you are blood related, you could join through them.

[user5387]

Here's a list of a bunch of highly-rated CUs in the Houston area:

   http://www.creditcardconnection.org/cu-finder/state/TX

There's no way to guarantee that a CU will approve you, but in my experience, it's possible to do some research and get a pretty good idea of what to expect.

You could take your report around to some local CUs, and sit down and talk to a loan officer, and ask them what they can do for you.

[CreditGuy03]

Ill look

[SunriseEarth]

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@CreditGuy03 wrote:

Gheesh my local credit union in Houston is the worst. I have a 665 credit score and was denied for a Credit Card saying too many inquires (3 in past 12 months). Most credit unions give you anything they offer when your credit is over 620. Not this one. I thought the credit union was supposed to be there for the MEMBERS? The card amount I requested was $7000. If they wouldnt approve that amount you would think they would say "Lets start out at $500 for a while and go from there" Nope flat out denial.

Why do stingy credit unions even exist? 

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I was turned down by my CU for a Visa last July.  My scores would have been around 620.   I noticed they SPed me the other day, probably as they've noticed I'm pretty much using my checking to pay credit card bills.   Now, I wouldn't even see a point to getting a Visa through my CU, since the rewards are lackluster.  

[fot1]

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@jd352 wrote:

My credit union is great. $40k in total CL - $20k credit card and $20k personal loan (should I ever need one - it is already approved). Then again my CU is rated one of the best by members on here who don't qualify for US gov't CU's. Definitely keep looking around and try to do research before joining. See what is available, do the research, then join and apply for credit. 

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Love love Love PSECU.. Glad I got in before they closed the  backdoor....