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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Would you pay $75 bucks to join PSECU?


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

Thats awesome!!

 

They will approve with lower score if your established with history. Its all YMMV.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
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Re: Would you pay $75 bucks to join PSECU?

[ Edited ]

Here's a "Mod Cut" email I sent to PSECU support team and the response I got back regarding joining through PASEO. Whoever decides to take a shot at it before I do, let me know the results.

 

 

support@psecu.com
Sep 22 (4 days ago)
  
to me

If you are currently still a member of PASEO you will be eligible to apply for membership at PSECU. You may be asked to submit proof of your membership of PASEO once we receive your application.


----- ORIGINAL MESSAGE -----
From: edited
Sent: 9/22/2012 1:56:06 AM
To: webform@psecu.com
Subject: Membership Eligibility Through Association

Hello, I'm currently an associate member of PASEO (Pennsylvania Association of Sewage Enforcement Officers). Up until a few months ago, I was living in Pennsylvania, however I have currently relocated out of state to New York City. I'm wondering whether or not I am still eligible to join PSECU. Thank you for your consideration.

 

 

Please refrain from using foul language.Lightnin,myFICO moderator

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)
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Would you pay $75 bucks to join PSECU?

[ Edited ]

WarJar101 wrote:

Here's a "Mod Cut" email I sent to PSECU support team and the response I got back regarding joining through PASEO. Whoever decides to take a shot at it before I do, let me know the results.

 

 

support@psecu.com
Sep 22 (4 days ago)
  
to me

If you are currently still a member of PASEO you will be eligible to apply for membership at PSECU. You may be asked to submit proof of your membership of PASEO once we receive your application.


----- ORIGINAL MESSAGE -----
From: "Adrian" <w.jar101@gmail.com>
Sent: 9/22/2012 1:56:06 AM
To: webform@psecu.com
Subject: Membership Eligibility Through Association

Hello, I'm currently an associate member of PASEO (Pennsylvania Association of Sewage Enforcement Officers). Up until a few months ago, I was living in Pennsylvania, however I have currently relocated out of state to New York City. I'm wondering whether or not I am still eligible to join PSECU. Thank you for your consideration.

 


They may also request proof of PA address. :smileysad:

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

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

Lately, PSECU has not HP'd for just membership. I was not HP'd nor was a fellow member I walked through the membership process with. 

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: Would you pay $75 bucks to join PSECU?

No!

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Would you pay $75 bucks to join PSECU?

[ Edited ]

So was the no in response to the OP's question?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
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Re: Would you pay $75 bucks to join PSECU?

If you plan on utilizing PSECU for their credit products, I would say yes. If you are doing it just for the score, $75 is a bit much - a walmart card would do the same thing and not cost anything. But, I joined bc PRPS was an easy way to do it (pa resident),  I get the EX score. I plan on app'ing for the Visa and possibly would use them for a car purchase (not new cars bc I typically have qualified for low rates below 1%). But, I might get a another car (pre-owned) in a year or so... so they might have good rates for me to finance it through them.


In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

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

I think I found the answer. The psecu site says association member but the paseo site has full members who must be a licensed seo and associate members. My guess is that associate members don't have full benefits. This would include psecu membership.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

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


Duncanrr wrote:

So was the no in response to the OP's question?


Yes, I much prefer local CU.

 

Super Contributor
Posts: 6,626
Registered: ‎04-07-2008
0

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

PSECU is a great CU to join. I'm with them. Now if they would give me the VISA/PSL combo, I would love it.




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