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Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
0

wanting to join a CU, help...

I'm wanting to eventually get out of toy limits, but I want to go with a CU because Im reading they give better limits, for the most part. I have never been a member of a CU. I don't know the process, but there are two that I see people on here raving about. So..

 

NFCU- My grandfather served in the military and so did my uncle. What type of proof will they need? My grandfather passed away over 20 years ago. Will that be enough to qualify?

 

DCU- I'm seeing a lot of people get free scores for banking with them. Also seeing people being offered preapprovals from both.

 

My main goal is to bank with one of them and hope to get a pre approval offer sometime next year. Im in no rush, but I refuse to apply for anymore cards. Im letting my current cards age and waiting for auto CLIs, but in the meantime if I can get a preapproval Id love to get out of toy limits.

 

What would you smart people suggest?

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: wanting to join a CU, help...

Call NFCU and ask. Also anyone can join DCU so far they are being very generous with me. I been a member for 4 months and i have a 17.5k cc with them. They will need paystubs and stuff but well worth it.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
lithium78
Posts: 930
Registered: ‎07-30-2011
0

Re: wanting to join a CU, help...

If you'd like to find a local credit union, you can take a look at www.creditunion.coop.  They have a search engine for local credit unions.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Valued Contributor
kevinjjc
Posts: 1,375
Registered: ‎01-14-2009
0

Re: wanting to join a CU, help...


jsickz32 wrote:
Call NFCU and ask. Also anyone can join DCU so far they are being very generous with me. I been a member for 4 months and i have a 17.5k cc with them. They will need paystubs and stuff but well worth it.

Nice limit! It looks like you need to update your siggy. :smileytongue:

 

Your siggy currently says: DCU platinum Visa (10000)

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: wanting to join a CU, help...

Just got the cli and they havent updated the cl online so im waiting for that. Ill update when they update lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
0

Re: wanting to join a CU, help...


jsickz32 wrote:
Call NFCU and ask. Also anyone can join DCU so far they are being very generous with me. I been a member for 4 months and i have a 17.5k cc with them. They will need paystubs and stuff but well worth it.

I will give them a call, I just didn't know what I needed to provide for them to verify my grandfather served in the military. I'm going to apply when I get my tax refund to pay off that kay jewelers card. Its carrying a balance (2k)  from my recent engagement, and with the other cards having  toy limits my util is high, even though its the only card with a balance.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: wanting to join a CU, help...

IIRC, simply having a family member who has served in the military doesn't mean you can join. It's more complicated than that.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: wanting to join a CU, help...

What about DCU? Why dont you try to join? I didnt have high utl when i joined but i did have 17 new accounts in last 6 months and they still first approved me for 7500 and then gave me a auto cli to 10k.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: wanting to join a CU, help...

DCU sounds like the to contender!

DCU is on my list for 2013!

$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
0

Re: wanting to join a CU, help...


jsickz32 wrote:
What about DCU? Why dont you try to join? I didnt have high utl when i joined but i did have 17 new accounts in last 6 months and they still first approved me for 7500 and then gave me a auto cli to 10k.

I've just been burned by carrying a balance on that card. I apped for a CLI with my Charter One card 9 months after it was open and was declined for util. So I dont want to take any chances. DCU sounds like the easiest option for me. I just need a card that I can put everything for the month on and pay one bill. I hate making multiple payments to multiple cards per month.

 

They for sure sound like a good option. As far as NFCU It asked on their site if your family member was any one of the above and I said yes, then it said you qualify. I dont know what the process is, but DCU is starting to sound like an easier option for me. Thanks jsickz32

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL

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