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Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:22 PM

I took a double look at it, it says "ASSOCIATION MEMBERS"? Technically, wouldn't you be considered a "association member" if you paid the fee to become an official contributing member?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Message 11 of 48 (597 Views)
 
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Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:26 PM

It's worth a try. I checked out some other ones and some are clearly employees only.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
Message 12 of 48 (592 Views)
 
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Frequent Contributor
WarJar101
Posts: 340
Registered: ‎08-14-2012

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:33 PM

Trust me guys I checked the whole list, this is the second cheapest one compared the PRPS loophole and unless I overlooked anything probably the only one with a shot of getting out-of-state folks in there. All I know is PASEO doesnt mind if you join them from out of state, they actually have out of state members. It's only on the PSECU end I'm concerned and unsure about. If anyone out there takes a stab at it before I do, let me know the results.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Message 13 of 48 (585 Views)
 
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Mega Contributor
LS2982
Posts: 14,437
Registered: ‎04-09-2011

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:35 PM

Its only a HP and $75, if you can spare the HP its worth the luv you'll get from that CU!!! Especially if your a prime credit customer!



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:50 PM

LS, what kind of scores do you think they (PSECU) would consider "prime"? lol just curious :smileywink:



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Message 15 of 48 (568 Views)
 
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Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:51 PM

Just to let you guys know, more than likely im gonna be the guniea pig here and try it out starting tomorrow. If you guys want to wait back to hear from me i will def keep you guys posted! im pretty sure (99.9999999%) im gonna do it. Wish Me luck!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Message 16 of 48 (566 Views)
 
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Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:53 PM

Can u tie a HP for membership with an app for cc?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
Message 17 of 48 (566 Views)
 
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Mega Contributor
LS2982
Posts: 14,437
Registered: ‎04-09-2011

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:57 PM

gettnthere wrote:

LS, what kind of scores do you think they (PSECU) would consider "prime"? lol just curious :smileywink:

At least 690 or up, no recent baddies, not alot of recent INQ's. Established credit lines with 1 year of good history.

 



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Message 18 of 48 (561 Views)
 
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Mega Contributor
LS2982
Posts: 14,437
Registered: ‎04-09-2011

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 05:58 PM

Duncanrr wrote:
Can u tie a HP for membership with an app for cc?

I doubt they can do that as it takes a few days to confirm membership. I would say as soon as your confirmed get a loan rep on the phone and see if they can do it.

 



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Message 19 of 48 (557 Views)
 
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Established Contributor
rtw
Posts: 748
Registered: ‎05-01-2012

Re: Would you pay $75 bucks to join PSECU?

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‎09-26-2012 06:21 PM

Got approved for 15K Visa/PSL in July with a 651 EX.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 725 (PSECU 5/11/13) TU: 711 (5/15/13) EQ: 688 (5/15/13)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 10K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 5K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
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