topic Re: Weird PSECU Experience in Credit Card Applications

Weird PSECU Experience

AverageJoesCredit — Sun, 19 Jan 2020 15:12:05 GMT

I know i shouldnt and glad for this experience, as i didnt go through with it, but i had to share this here to see what others thought.

Last night i was checking all my accounts, etc and noticed its been about 5 months since i last applied for a PSECU cc and even though i know better i started filling in an app for giggles. Mind you i had all reports locked or frozen.

Last time the hp was on Ex. So anyway, the app is a 3 step/page process. Ok so im basically finishing up page 2, very close to finishing app when a text alert goes off!. Someone tried pulling Tu. Wtfico?? The text doesnt say so i immediately login to my TU subscription to see who. Lol, yup it was PSECU! . I hadnt even finished the app or hit submit. I was so weirded out i just closed the app right there.

Ive never experienced a bank or CU trying to pull my credit BEFORE i officially submitted the app. Im kinda glad it stopped me, you know me snd my drapping ways, but am curious on everyones thoughts? Thanks

Re: Weird PSECU Experience

5KRunner — Sun, 19 Jan 2020 15:31:30 GMT

That's bizarre, man... perhaps you can convince them to remove the INQ?

Re: Weird PSECU Experience

AverageJoesCredit — Sun, 19 Jan 2020 15:53:31 GMT

Yeah, weird. I just checked my ficos with the $1 Experian trial and man my credit score never improves lol, even after moving majority of debt to a new pl. I had to unlock my reports so i could see all updated fico scores so i said fico it just hit submit of saved app as i was curious what their UW would think of my profile now. Have an inq dropping anyway so ill stay at 18. Doesnt really matter as ill never see 800 or even 750 on my TU anyway. Ill keep ya updated on what they say. 99% sure denial as thats my jam but maybe a suprise coming

Re: Weird PSECU Experience

CreditInspired — Sun, 19 Jan 2020 19:22:51 GMT

@AverageJoesCredit wrote:
I know i shouldnt and glad for this experience, as i didnt go through with it, but i had to share this here to see what others thought.

Last night i was checking all my accounts, etc and noticed its been about 5 months since i last applied for a PSECU cc and even though i know better i started filling in an app for giggles. Mind you i had all reports locked or frozen.

Last time the hp was on Ex. So anyway, the app is a 3 step/page process. Ok so im basically finishing up page 2, very close to finishing app when a text alert goes off!. Someone tried pulling Tu. Wtfico?? The text doesnt say so i immediately login to my TU subscription to see who. Lol, yup it was PSECU! . I hadnt even finished the app or hit submit. I was so weirded out i just closed the app right there.

Ive never experienced a bank or CU trying to pull my credit BEFORE i officially submitted the app. Im kinda glad it stopped me, you know me snd my drapping ways, but am curious on everyones thoughts? Thanks

Oh wow. I wished you had taken a pic of the page as proof you had not actually submitted the application. Thank goodness your reports were on lockdown.

Re: Weird PSECU Experience

Gmood1 — Sun, 19 Jan 2020 19:43:39 GMT

AJC I didn't realize they do a HP for membership. lol

Just burned another one. I wonder if the same pull can be used for applications as well?

Wasn't intending to apply for any more credit. But I also wasn't intending to take another HP either. lol

Re: Weird PSECU Experience

FinStar — Sun, 19 Jan 2020 21:00:39 GMT

Definitely odd. But see, I knew you'd be back to apps 😄

Re: Weird PSECU Experience

spiritcraft1 — Sun, 19 Jan 2020 21:17:34 GMT

@Gmood1 wrote:
AJC I didn't realize they do a HP for membership. lol
Just burned another one. I wonder if the same pull can be used for applications as well?
Wasn't intending to apply for any more credit. But I also wasn't intending to take another HP either. lol

Last I heard, pull was good for either 15 or 30 days. You can call and ask.

Re: Weird PSECU Experience

AllZero — Sun, 19 Jan 2020 21:51:04 GMT

Good luck on your application.

Re: Weird PSECU Experience

Anonymous — Mon, 20 Jan 2020 06:21:33 GMT

I believe this was your "leaving the garden" alarm, so you better get back in there!

Re: Weird PSECU Experience

steelers1 — Mon, 20 Jan 2020 23:55:10 GMT

@AverageJoesCredit wrote:
I know i shouldnt and glad for this experience, as i didnt go through with it, but i had to share this here to see what others thought.

Last night i was checking all my accounts, etc and noticed its been about 5 months since i last applied for a PSECU cc and even though i know better i started filling in an app for giggles. Mind you i had all reports locked or frozen.

Last time the hp was on Ex. So anyway, the app is a 3 step/page process. Ok so im basically finishing up page 2, very close to finishing app when a text alert goes off!. Someone tried pulling Tu. Wtfico?? The text doesnt say so i immediately login to my TU subscription to see who. Lol, yup it was PSECU! . I hadnt even finished the app or hit submit. I was so weirded out i just closed the app right there.

Ive never experienced a bank or CU trying to pull my credit BEFORE i officially submitted the app. Im kinda glad it stopped me, you know me snd my drapping ways, but am curious on everyones thoughts? Thanks

Very weird keep us updated.

My daughter and son are both members. I was thinking about joining at the end of the month. They seem to be pretty conservative.

They always seem to pull EX.

Re: Weird PSECU Experience

spiritcraft1 — Tue, 21 Jan 2020 00:03:03 GMT

@steelers1 wrote:

Very weird keep us updated.

My daughter and son are both members. I was thinking about joining at the end of the month. They seem to be pretty conservative.

They always seem to pull EX.

I have seen mixed reviews. I have read about people getting big limits even with derogs on their reports and low 600 scores but then others who are clean and in the 800's being denied. It seemed like many denials have been from new members. They went through a couple waves of people coming out of the woodwork and applying for their two-fer CC and CLOC years ago and perhaps are still gun shy. I have been a member since that wave 10 years ago and have yet to apply. I will likely go for the founders card at some point, but not yet. In short, no direct experience, just second hand news but they have handed out big limits to anyone with a pulse in the past.

Re: Weird PSECU Experience

Anonymous — Tue, 21 Jan 2020 00:27:54 GMT

They were, in many ways, mysterious like NFCU when it comes to approvals and limits. That said, over the past 6 months, maybe a year, they seem to have tightened up quite a bit and seem to be more predictably following logic according to creditworthiness.

Maximum limits with them is also on $30k across all cards. They pull EX FICO Score 2.

Re: Weird PSECU Experience

AverageJoesCredit — Tue, 21 Jan 2020 01:26:32 GMT

Fyi, they pulled Ex first time around on cc app. This time they pulled TU.

Re: Weird PSECU Experience

Meanmchine — Tue, 21 Jan 2020 01:49:39 GMT

Maybe they were trying to SP you ??

Re: Weird PSECU Experience

UH_HUH — Tue, 21 Jan 2020 12:36:05 GMT

That does seem odd AJC,I applied three years ago by way of joining some local

club for membership. It is in my home state so that was available to me. I applied for

a credit card and they told me I could have 30K credit limit. I split it between

the Founders Card and the Classic Visa.Never had a problem. Great CU.I can call

and ask a question and they never laugh when I don't know my membership # <who does>

So they're easy to talk to if you have allready taken the HP and want some answers give em a call.

Either way,

Good Luck :-)'

Cheers

Re: Weird PSECU Experience

AverageJoesCredit — Tue, 21 Jan 2020 17:17:13 GMT

Thanks @UH_HUH . Im pretty sure it will end same way as last but they called today and just need my dl, 2 paystubs, and 2 W2s. I dont mind but im pretty sure ill get denied for insufficient income. This way ive tried twice, and if denied, can let them r.i.p. with Penfed .

Re: Weird PSECU Experience

JoeLuvsHisCredit — Tue, 21 Jan 2020 17:35:35 GMT

@AverageJoesCredit wrote:
Thanks @UH_HUH . Im pretty sure it will end same way as last but they called today and just need my dl, 2 paystubs, and 2 W2s. I dont mind but im pretty sure ill get denied for insufficient income. This way ive tried twice, and if denied, can let them r.i.p. with Penfed .

GOOD LUCK BUDDY D

Re: Weird PSECU Experience

M_Smart007 — Tue, 21 Jan 2020 18:13:19 GMT

When is an Average Joe experience normal?

Re: Weird PSECU Experience

M_Smart007 — Tue, 21 Jan 2020 18:13:52 GMT

@FinStar wrote:
Definitely odd. But see, I knew you'd be back to apps 😄

Re: Weird PSECU Experience

AverageJoesCredit — Tue, 21 Jan 2020 18:15:12 GMT

Thanks @Joeloveshiscredit . Just call me D for denial. Who knows, maybe they will be charitable. Maybe they'll see the $45 bucks i deposited there and say hey this guy is a high roller.