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Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
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psecu.

Just got accepted today! How tough are they? When it comes to applying for their cards.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
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Current Score: 742 fico


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Established Contributor
Posts: 662
Registered: ‎02-20-2013
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Re: psecu.

Can i be your room mate? I'll rent a small closet or a corner in your living room? Enjoy the free EX score.


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Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
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Re: psecu.

Lol. Sure! Move in any time!
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Valued Contributor
Posts: 2,698
Registered: ‎08-13-2009
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Re: psecu.

For me, they were tough.

 

My credit scores hovers around (just above and just below) 800, virtually no debt (paid off each payday or sooner in most  cases), and nothing negative on the credit report.

 

The lady told me I had to fax in pay stubs, tax returns, and give them permission to speak to HR dept to verify employment and pay.   (Rental income did not count.)  I thought that was outrageous given my credit report.  She said it was standard.  All of that for a credit card.  (My cc's have high limits, so this was shocking!).

 

I decided it was not worth the effort.  

 

Things could have changed.  I might have had a tough rep.  Who knows?

 

Call up and ask what they require.  That is what I had done.  And please let us know what they say!

Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
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Re: psecu.

Okay. Ill give them a call :smileyhappy:
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: psecu.


pineappledaydreams wrote:
Okay. Ill give them a call :smileyhappy:

They were not that hard for me. I was pre-approved for their Visa last July when I refi'd my truck with them. 9k lmit not bad at all!! Got a 3K HP CLI 3 months later.

 




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
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Registered: ‎04-03-2012
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Re: psecu.

Just applied for the visa. Application is on hold due to no credit history. I applied with my new name whenever that happens it shows no credit history since my new name is only a few nonths old. They pull experian. They also mentioned they look for scores mid 600s. They said if youre self employed or had negative information on your reports they require more documents to approve the card or loan. For me they just want two most recent pay stubs.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
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Re: psecu.

I am guessing I didnt get denied might be an approval just waiting on my stubs. :smileyhappy:
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: psecu.


pineappledaydreams wrote:
I am guessing I didnt get denied might be an approval just waiting on my stubs. :smileyhappy:

Fingers crossed for ya!!!

 




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
Established Contributor
Posts: 747
Registered: ‎10-15-2012
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Re: psecu.

Any update pineapple?

 

I'm thinking about applying for this card, but I doubt I'd get approved with a PR on my EX report. I'll give them a call to see what they think.


Starting Score: 515
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Goal Score: 700+

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