topic Re: RBFCU vs SSFCU? in Credit Card Applications

RBFCU vs SSFCU?

OmarGB9 — Sat, 23 Jan 2016 23:44:55 GMT

So I've been looking at adding a CU to my portfolio, as I have some plans to hopefully utilize a LOC to consolidate my outstanding debt and only have to worry about making one monthly payment, and of course get my balances across multiple cards down/zeroed out (unexpected expenses + holiday shopping!).

Anyway, I'm in Texas, and I was looking at these two CUs. But I have a few questions for those seasoned members on here who have/had experience with either (or both!) CUs. First, which one is easier to get approved for/more generous with their products? Ideally, I'd like the LOC as I said, but maybe I might pick up one of their cards, as well. I'd love at least $5k, on the LOC, but $10k would be ideal.

Second, do these only pull HP? Or is there a possibility for a double pull?

Third, is it true that RBFCU's PLOC is a hidden TL? Cause if so, that'd be great for my scores! If not, how long does it usually take to report? And how about SSFCU LOC?

I've done some research on these, and I found some info on RBFCU (and almost none on SSFCU), but I wanted some more personalized advice and info for me.

Stats:
EX - 652
EQ - 657
TU - 720
UTIL: ~29%
Income: ~$20k

I do expect some nice score bumps once some of my payments go through and balances decrease. I'm hoping after all these payments and updates on my reports to be around:

EX - 680ish
EQ - 690ish

TU - 730ish
UTIL: ~14%
Income the same.

So community, what do you think my odds are, and any guesses on SLs if indeed approved? Thanks in advance!

Re: RBFCU vs SSFCU?

Ron1 — Sat, 23 Jan 2016 23:57:36 GMT

Just sent you a PM.

By the way, RBFCU PLOC is not hidden.

Good luck.

Ron.

Re: RBFCU vs SSFCU?

baller4life — Sun, 24 Jan 2016 00:05:30 GMT

@Ron1 wrote:
Just sent you a PM.

By the way, RBFCU PLOC is not hidden.

Good luck.

Ron.

Ron I have shared with you multiple times that RBFCU LOC is hidden for those that got it AFTER the system change they did. Yours was before. Everyone that got it afterwards is hidden

Re: RBFCU vs SSFCU?

OmarGB9 — Sun, 24 Jan 2016 00:07:46 GMT

baller! I know you have some experience with these CUs! Any advice?

Also, thanks Ron! PM'd you back.

Re: RBFCU vs SSFCU?

baller4life — Sun, 24 Jan 2016 00:08:31 GMT

I joined both with a single TU hp. With SSFCU the pull is good for 60 days and RBFCU 45 days for any of their products. I was approved for the Power MC and loc with SSFCU. RBFCU denied me cc and loc for too much available credit. My TU at time of SSFCU app was 732 and 764 with RBFCU

Re: RBFCU vs SSFCU?

OmarGB9 — Sun, 24 Jan 2016 00:12:04 GMT

Thanks for that Info!

Do they base their SLs off of income? Or reports and scores?

Also, how'd you get away with only 1HP for both if they're two different CUs? Was one of them only an SP?

Re: RBFCU vs SSFCU?

baller4life — Sun, 24 Jan 2016 00:16:21 GMT

Lol no 1 hp EACH. They base their approvals off your entire profile...income,scores,dti. Both good CUs. So no reason not to join both.

Re: RBFCU vs SSFCU?

Ron1 — Sun, 24 Jan 2016 00:18:59 GMT

@baller4life wrote:
@Ron1 wrote:
Just sent you a PM.

By the way, RBFCU PLOC is not hidden.

Good luck.

Ron.
Ron I have shared with you multiple times that RBFCU LOC is hidden for those that got it AFTER the system change they did. Yours was before. Everyone that got it afterwards is hidden

Mine is not hidden. I got it back in 2010.

Ron.

Re: RBFCU vs SSFCU?

OmarGB9 — Sun, 24 Jan 2016 00:25:00 GMT

@baller4life wrote:
Lol no 1 hp EACH. They base their approvals off your entire profile...income,scores,dti. Both good CUs. So no reason not to join both.

lol the way you initially worded that made it seem like it was only one HP for both.

Alright well then I guess I'll go for both. Are they pretty generous?

Re: RBFCU vs SSFCU?

baller4life — Sun, 24 Jan 2016 00:29:26 GMT

@Ron1 wrote:
@baller4life wrote:
@Ron1 wrote:
Just sent you a PM.

By the way, RBFCU PLOC is not hidden.

Good luck.

Ron.
Ron I have shared with you multiple times that RBFCU LOC is hidden for those that got it AFTER the system change they did. Yours was before. Everyone that got it afterwards is hidden
Mine is not hidden. I got it back in 2010.

Ron.

Yea everyone from the old system reports. For whatever reason those approved under new system does not. I am aware of multiple people that were approved within the past year and it never reported.

Re: RBFCU vs SSFCU?

baller4life — Sun, 24 Jan 2016 00:31:41 GMT

@OmarGB9 wrote:
@baller4life wrote:
Lol no 1 hp EACH. They base their approvals off your entire profile...income,scores,dti. Both good CUs. So no reason not to join both.
lol the way you initially worded that made it seem like it was only one HP for both.
Alright well then I guess I'll go for both. Are they pretty generous?

Yes they are generous. I would wait till your util updates to pull the trigger. Your income may be a lil low for a huge SL. But, I'm sure you will be please and it will grow with you.

Re: RBFCU vs SSFCU?

Ron1 — Sun, 24 Jan 2016 00:35:59 GMT

@baller4life wrote:
@OmarGB9 wrote:
@baller4life wrote:
Lol no 1 hp EACH. They base their approvals off your entire profile...income,scores,dti. Both good CUs. So no reason not to join both.
lol the way you initially worded that made it seem like it was only one HP for both.
Alright well then I guess I'll go for both. Are they pretty generous?
Yes they are generous. I would wait till your util updates to pull the trigger. Your income may be a lil low for a huge SL. But, I'm sure you will be please and it will grow with you.

Re: RBFCU vs SSFCU?

Ron1 — Sun, 24 Jan 2016 00:37:41 GMT

Firstmark CU is also good. They are similar.

Ron.

Re: RBFCU vs SSFCU?

baller4life — Sun, 24 Jan 2016 00:42:32 GMT

Ron does Firstmark pull TU too?

Re: RBFCU vs SSFCU?

Ron1 — Sun, 24 Jan 2016 00:43:26 GMT

@baller4life wrote:
Ron does Firstmark pull TU too?

Yes.

Ron.

Re: RBFCU vs SSFCU?

OmarGB9 — Sun, 24 Jan 2016 00:48:12 GMT

I've never heard of Firstmark. I did a quick Google search and see they're based out of San Antonio. But I don't live there. Would I still be able to qualify?

Re: RBFCU vs SSFCU?

Ron1 — Sun, 24 Jan 2016 00:55:38 GMT

@OmarGB9 wrote:
I've never heard of Firstmark. I did a quick Google search and see they're based out of San Antonio. But I don't live there. Would I still be able to qualify?

You might not quaify. You have to go to membership page to see if you aualify

Ron.

Re: RBFCU vs SSFCU?

OmarGB9 — Sun, 24 Jan 2016 01:02:05 GMT

Yea I just looked into it, and I definitely don't qualify.

Oh well. Still looking forward to SSFCU and RBFCU.

Re: RBFCU vs SSFCU?

Ron1 — Sun, 24 Jan 2016 01:12:57 GMT

Good luck whiatever you decide.

Ron.

Re: RBFCU vs SSFCU?

ScoreOrBeScored — Sun, 24 Jan 2016 02:37:21 GMT

Rbfcu is my primary !! I love it and love what they offer.

720 will get you best rate on all products (excluding mortgage)

they pull TU and is good for 45 days.

PLOc is hidden T/L for me and love it.... I also love how many times throughout the year, they allow you

to skip CC payments and around the holidays they allow you to skip a month of your car note . Live it.

theyd rather allow you to skip it during the holidays than for you to be late or default due to holiday shopping etc.

(optional if you'd like to participate and of course the payment is placed on back of the loan)

with your income , I'm not sure how bug of a limit you will get. I would expect $5k. But they do give big limits as long

as your file and income supports it. I have no experience with the other CU, just RBFCU