topic Re: Patelco CU ? in Credit Cards

Patelco CU ?

Anonymous — Fri, 29 Aug 2008 19:41:11 GMT

anyone with experience with them? do they do a hard IQ to open account? who do they pull?

Re: Patelco CU ?

clgray — Fri, 29 Aug 2008 20:35:36 GMT

They pull experian. I think they are great. You have to ask for credit limit increases about every 6 months. They don't give automatic.

Re: Patelco CU ?

spiritcraft1 — Fri, 29 Aug 2008 21:18:35 GMT

They pulled a hard EX on me... but I have found them to be great so far...

Re: Patelco CU ?

adamseve — Fri, 29 Aug 2008 23:54:50 GMT

clgray wrote:
They pull experian. I think they are great. You have to ask for credit limit increases about every 6 months. They don't give automatic.

What products do you have with them? What were your scores when you obtained credit with them? Do they have any quirks, i.e., too many inquires, too many new accounts, etc.? Are they BK friendly?

Thanks for any info you can provide.

Re: Patelco CU ?

Anonymous — Sat, 30 Aug 2008 02:41:18 GMT

GREAT CU! They tend to be more conservative then some CU I deal with, but their credit gold visa is pretty nifty.

Re: Patelco CU ?

Anonymous — Sat, 30 Aug 2008 03:03:30 GMT

thanks for the feedback, i was hoping for EQ, but i am waiting for a few baddies for fall off next month on EX

Re: Patelco CU ?

spiritcraft1 — Sat, 30 Aug 2008 13:20:21 GMT

For EQ, try Alliant Credit Union

Re: Patelco CU ?

smallfry — Sat, 30 Aug 2008 13:36:24 GMT

@adamseve wrote:

@clgray wrote:
They pull experian. I think they are great. You have to ask for credit limit increases about every 6 months. They don't give automatic.

What products do you have with them? What were your scores when you obtained credit with them? Do they have any quirks, i.e., too many inquires, too many new accounts, etc.? Are they BK friendly?

Thanks for any info you can provide.

Be careful I was declined with a 717 Experian score because of too much new available credit. I applied in May 2008. Utilization around 1%. I had opened a number of new accounts May-June 2007 and one more in October 2007. I was not approved upon recon. They will approve with an older BK but not with newer accounts.

Re: Patelco CU ?

clgray — Wed, 03 Sep 2008 07:03:51 GMT

My ex score was about 660. It was a hard pull. I have a platinum mastercard, a savings account, and 2 share certificates. I had a lottttt of inquires when I applied. 2 yrs out of BK.