topic Re: Fort Knox CU in Credit Card Applications

Fort Knox CU

Anonymous — Mon, 13 Mar 2017 18:04:19 GMT

Anyone know much about this CU? CC is nice since all year long it is 5% cash back on gas.

Says anyone can join in they pay $5 to some charity or organization.

Do they pull a credit report for membership? Who do they pull for membership and/or cc?

TIA

Re: Fort Knox CU

Anonymous — Mon, 13 Mar 2017 21:38:42 GMT

I've been with Fort Knox FCU a few years with checking/savings. I was denied for a CC with a thin file but you can do the shared/secured loan trick with them.

Re: Fort Knox CU

Anonymous — Mon, 13 Mar 2017 23:35:11 GMT

all CUs will pull for membership; not sure if Fort Knox is one that SPs though

Re: Fort Knox CU

Aahz — Mon, 13 Mar 2017 23:51:34 GMT

I joined Fort Knox and got their Visa card in April 2014. Was a hard pull on Equifax to join and a seperate hard pull on TU the same day to get the Visa card.

Application process took four phone calls, submission of tax returns and numerous other documents through their secure messaging service and about two weeks overall.

They gave me a $2500 starting line on the Visa when my scores were around 750 and my average credit line was around $14,000.

They've refused two CLI requests since then after a fresh EQ hard pull and submission of tax returns each time despite my average credit line now being over $25k - yes 10x the limit they afforded me after me almost two years of use.

I finally closed the card and account this week as dealing with their archaic systems is just not worth the small extra savings on gas. Even closing the card and account took three phone calls, submission of a hand-signed document, and a dozen messages through their secure system.

SOOOOO glad to be rid of them.

Re: Fort Knox CU

Anonymous — Tue, 14 Mar 2017 02:28:23 GMT

Thx all for the info.

@Tigers.... I meant Hard Pull-Soft pulls I don't care about. Didn't know every single CU pulled tho.

@aahz.... Sounds like an awful amount of work for a $2500 limit card. I can understand income verification/tax returns for a $50k card, but for a membership and $2500?!? Wow. I appreciate the info. Says a lot.