Valued Contributor
Duncanrr
Posts: 2,519
Registered: ‎06-08-2012
PSECU - Membership cancelled :(

‎10-02-2012 08:01 AM

They cancelled my membership application on the 5th day.  Just talked with CSR and they said you must be an in-state resident.  (Which is something that is not said in one spot on their website with exception to parks and recreation.)  I'm waiting for a manager to call me back so I can plead my case.

 

However, it looks like PSECU loopholes are all closed :smileysad:



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
Re: PSECU - Membership cancelled :(

‎10-02-2012 08:05 AM

NOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!!!!!!!!!!!!!!!!!!

 

I was gunning for you Duncanrr!!!!!!!!!!

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.
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Super Contributor
CS800
Posts: 6,149
Registered: ‎04-07-2008
Re: PSECU - Membership cancelled :(

‎10-02-2012 08:06 AM

Sorry to hear :smileysad:

 

Let us know what the manager says





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Regular Contributor
roxy382
Posts: 129
Registered: ‎01-09-2012
Re: PSECU - Membership cancelled :(

‎10-02-2012 08:07 AM

Thanks for the update! That really sucks. I may have to move to PA temporarily. Maybe find a roommate with military affiliation so I can knock out all the big ones I currently can't access. :smileysad:
In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
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Valued Contributor
Duncanrr
Posts: 2,519
Registered: ‎06-08-2012
Re: PSECU - Membership cancelled :(

‎10-02-2012 08:11 AM

Will do.  Ive laid foundation with CSR for my argument and will solidify it when I speak with manager.  I may be able to get a membership, highly unlikely, it will be difficult and I dont expect them to be opening any flood gates.  On positive news, NFCU membership will be coming soon.  Roommate has begun moving in and I'll probably wait till November to join (once my paid down balances start to report.)



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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Mega Contributor
LS2982
Posts: 15,096
Registered: ‎04-09-2011
Re: PSECU - Membership cancelled :(

‎10-02-2012 09:09 AM

Sorry to hear :smileysad:


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
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Frequent Contributor
shakalaka
Posts: 478
Registered: ‎09-10-2012
Re: PSECU - Membership cancelled :(

‎10-02-2012 09:20 AM

Sorry to hear that :smileysad: guess no more loopholes


Amex Platinum (NPSL) | Amex BCE (12,000) | Discover IT (8,000) | Chase Freedom (4,300) | Walmart (850) | Alliant CU Visa | CapOne Newcomers MC | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 723 (6/3) EQ 694 (6/12) EX 714 (1/26)
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Valued Contributor
Duncanrr
Posts: 2,519
Registered: ‎06-08-2012
Re: PSECU - Membership cancelled :(

‎10-02-2012 09:29 AM

I asked her if they don't allow out of state people why don't they simply say that on website. She didn't gave an answer for that nor did she have an answer for why the previous account specialist said in-state residence wasn't a requirement.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
Re: PSECU - Membership cancelled :(

‎10-02-2012 09:38 AM

Your points are very valid and I am interested in hearing what they have to say. The only "visible" permanent residency restriction during the app is under PRPS. PASEO just is labled as you need to be an association member.

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.
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Valued Contributor
Duncanrr
Posts: 2,519
Registered: ‎06-08-2012
Re: PSECU - Membership cancelled :(

‎10-02-2012 09:44 AM

My guess is it maybe illegal. I'm not sure if PSECU receives any state funding, but if they do it may be a commerce clause issue (state actions are not typically allowed to favor in-state over out-of-.state residents.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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