03-22-2013 11:33 AM
03-22-2013 12:22 PM
03-22-2013 12:31 PM
I just tried and they denied me. Looks like I won't be getting a car loan from them either. If it wasn't for the EX FICO, I would dump them.
03-22-2013 12:42 PM
That's odd that they denied you. Did you apply over the phone?
03-22-2013 12:49 PM
I have an old PR on my EX. I applied over the phone and asked questions but the woman said she couldn't give me any answers. I was forwarded to a loan originator who sounded like a total ditz. That's what made me most mad, not the denial. I already had a feeling I'd be denied but said what the h, go for it. It's ok, they just won't be getting any of my business for the next year.
03-22-2013 12:55 PM
03-22-2013 12:58 PM
Thanks pineapple. I almost thought about applying for Chase Freedom or Discover It just looking for an approval. But those are two cards I really want so I'll wait until I'm ready. I didn't really need the PSECU card, just thought I might use it for BTs and the low APR.
Back to the garden!
03-22-2013 03:38 PM
congrats to the op on his approval, psecu is great they are my fav cu. for those who get declined dont get discouraged just keep working on it. I was declined 2 or 3 times over a year and a half before i was eventually approved. They kept declining me for too many inquiries and new accounts so I went into the garden just for them and apped when everything had aged off, approved with no problems.
Im in the garden now for USAA, no apps till november, then USAA is MINE! lol. USAA is the last card on my list and will be my last app for a long time.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.