Established Member
hussain99
Posts: 32
Registered: ‎11-20-2012
Re: Best Credit Unions out there
Thanks for your input guys. I still have a few questions in mind:

1. Does DCU ask for pay-stubs/W-2 on credit card application?

2. To me, the biggest drawback of CUs are two HPs (one at the time of membership application & the other for CC). Is it possible to somehow get only one HP?

3. If I am eligible for PSECU, is it a good CU in terms of initial CL, CLIs, no pay-stub hectics etc?
Frequent Contributor
kimmiller112
Posts: 468
Registered: ‎04-09-2012
Re: Best Credit Unions out there

My DCU membership is still pending.  I have applied and gotten approved for a $7500 card which I will get once I have my membership number.  They did ask for one paystub for me.  It was two hard pulls, one for the membership and one for the credit card.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $5000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
Re: Best Credit Unions out there
A few ive seen on this board... ft. Know CU; alliant; DCU; Martin cu; psecu

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
Re: Best Credit Unions out there

I'm with DCU.

 

They approved me within a few days for membership and they actually gave me a $1,500 CL CC with a thin file. All I had to do was scan my ID and paystub, then I emailed it to them. 2 HP on EQ for membership and CC app though. I read that you can get away with 1 HP if you apply in person


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Member
JPmorgan
Posts: 59
Registered: ‎05-06-2012
Re: Best Credit Unions out there

DCU!

American Express Blue | American Express PRG | Barclays Apple Financing Visa | Citi AAdvantage Visa Signature | Discover More | JP Morgan Palladium | Ameriprise World Elite Mastercard | Chase Sapphire Preferred

Frequent Contributor
codimom
Posts: 394
Registered: ‎09-08-2010
Re: Best Credit Unions out there

I have a membership with Alliant credit union (by choice) and Security Service Federal cu (because of my car loan...) .  I have been with Alliant for many many years and they've always treated me well.


Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13


Valued Contributor
p-
Posts: 2,633
Registered: ‎06-05-2008
Re: Best Credit Unions out there

hussain99 wrote:
2. To me, the biggest drawback of CUs are two HPs (one at the time of membership application & the other for CC). Is it possible to somehow get only one HP?

When I joined penfed, they used the same pull for membership and two loan apps.  Check out the boards here; I think it's one pull for 30 or 90 days with them, for all credit products.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
Re: Best Credit Unions out there

NFCU

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Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
knoregs
Posts: 571
Registered: ‎06-04-2012
Re: Best Credit Unions out there

KausticRage wrote:

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


Do you remember who they pulled from? Equifax perhaps?

 

~kn

 


EQ: 769 (FICO ScoreWatch) 9/22/14
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Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
Re: Best Credit Unions out there
They pulled EQ for me.

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG