USAA is not a credit union

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.

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cowboyguy wrote:

Hi everyone,

 

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

 

PSECU

NASA

USAA

Penfed

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PSECU is closed to out of staters unless you have a family member who is a member.  

USAA, as mentioned before is not a CU.  

I'm a member at DCU and they offer generous starting limits.  I was initially approved for $500 at Alliant, but that was increased to $15K after 6 months.  

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Starting Score: 600
Current Score:: 687EQ, 698EX, 721TU
Goal Score: 760

Take the myFICO Fitness Challenge

USAA is not a CU, but that just means that anyone can join. They are, however, very generous when it comes to approval rates and CLs.

My Wallet: WalMart: ||1,600|| USAA Platinum CR MC: ||4k|| Amex Delta Gold Skymiles: ||2k||; BCE: ||3k|| Chase Freedom: ||2k||
Lender pulled Fico Scores: EQ 703,TU 681, EX 707 Last app: 2/8/13 - Chase Freedom

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cowboyguy wrote:

Hi everyone,

 

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

 

PSECU

NASA

USAA

Penfed

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PenFed also have very strict underwriting requirements for many of their cards, so that might not match what you are looking for.

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KausticRage wrote:

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.

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+1

DCU gave me $7500 right out of the gate so I am definitely a fan of them

Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
April Scores: EX 722 (USAA), TU 669 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 4/8/2013

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madmann26 wrote:
NFCU, if you can get in.

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The OP said, in his OP:

I'm not qualified for NFCU so apart from that

Definitley Penfed.  And if you are qualified, USAA, even though it's not a CU, per se.  It also would be smart to forge a relationship with a small, local CU.  Sometimes there's no substitute for walking in and meeting with the person handling your decisions.

  11-27-2012: FICO EXP: 731 - EQU: 723 - TRAN: 731 - AVG: 728 - +178 points from JUN 2008 - MY CREDIT JOURNAL