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psecu.

Regular Contributor

Re: psecu.

Does psecu every have pre-approved offers when you log into your account?

 

Message 11 of 23
Frequent Contributor

Re: psecu.

Igot approved 2000 cl! That's how much I asked for.
On my phone apologies for the errors.



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


Take the FICO Fitness Challenge
Message 12 of 23
Regular Contributor

Re: psecu.

So was that a pre-approval from the website? Did you get a message that you were pre-approved for that card or did you have to apply?

 

Message 13 of 23
Frequent Contributor

Re: psecu.

I applied I was interested. They couldnt pull up any of my reports so I had to verify income and copy of ss and license. Then was approved. I asked for 2000. You can ask from 500 to 20000
On my phone apologies for the errors.



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


Take the FICO Fitness Challenge
Message 14 of 23
Established Contributor

Re: psecu.

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.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 15 of 23
Frequent Contributor

Re: psecu.

That's odd that they denied you. Did you apply over the phone? 

On my phone apologies for the errors.



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


Take the FICO Fitness Challenge
Message 16 of 23
Established Contributor

Re: psecu.

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. 


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 17 of 23
Frequent Contributor

Re: psecu.

Ah. I see. I am sorry and totally can understand the ditz thing. It's very annoying the minute I get uncomfortable or out of my happy go lucky nood I dont apply and just reapply later. :/
On my phone apologies for the errors.



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


Take the FICO Fitness Challenge
Message 18 of 23
Established Contributor

Re: psecu.

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!


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 19 of 23
Regular Contributor

Re: psecu.

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.

 

 


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


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Message 20 of 23