topic FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances in Credit Cards

FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

galahad15 — Wed, 17 Feb 2016 16:35:01 GMT

FYI, just as a data point of sorts: the Western FCU fixed-rate VISA apparently has no fees for either BT or cash advances (i.e., similar to Barclay Ring's no-fee BT and $3 charge for cash advances?). I was recently approved for their fixed-rate card at 12.5% F, although technically applicants can be approved for as low as 8.99% F. Also their bank branch staff are very friendly; I would personally very highly recommend this CU!

https://www.western.org/uploads/docs/Western_Credit_Cards_Compare.pdf (2nd page of PDF file references the no-fee info for BT and cash advances, for the fixed-rate card)

ETA: also no geographical limitations or restrictions for eligibility to join, AFAIK

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

satasat360 — Wed, 17 Feb 2016 19:39:09 GMT

Thanks OP for the details, I have DCU Visa which is also same i.e. no BT or cash advance fee and 6 months interest free BT every year after the holidays.

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

Anonymous — Wed, 17 Feb 2016 22:56:06 GMT

Just curious, did you become member first and the applied for the card and do you have any other accounts with them? Any idea how they look at BK on file? Overall their general terms seemed to be very appealing, thanks for the info

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

mikelo22 — Thu, 18 Feb 2016 00:04:02 GMT

Judging by the database, it looks like they pull EXP. Is that what they pulled for you?

Was it just one HP for membership and the card?

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

Slim1Der — Thu, 18 Feb 2016 02:54:07 GMT

I have a PLOC with them and yes they pulled EX.

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

Anonymous — Thu, 18 Feb 2016 04:03:57 GMT

BK friendly? SP or HP to join?

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

Slim1Der — Thu, 18 Feb 2016 04:47:35 GMT

Very BK friendly. They gave me a $25k PLOC with a BK reporting.

I believe the membership was a SP. But the PLOC app was definately a HP.

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

VirusCredit13 — Thu, 18 Feb 2016 13:50:03 GMT

@satasat360 wrote:
Thanks OP for the details, I have DCU Visa which is also same i.e. no BT or cash advance fee and 6 months interest free BT every year after the holidays.

Is that part of terms, or is that just a promotion that they just have run every year after holidays.

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

Anonymous — Thu, 18 Feb 2016 14:50:59 GMT

I have WESTERN -- 2 cards. Fixed rate VISA and thE REWARDS card .. Fixed is $3,000 CL and REWARDS $7,000 CL.... They are AMAZINGGGG! Very home feel -- and I love the no fee VISA. The REWARDS card is okay in terms of rewards, not great -- but higher CLs usually and interest for me is 15.99% which is good, as they use FICO 04 usually and mine is considerably lower than my FICO 8.

I HIGHLY recommend !!!

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

galahad15 — Thu, 18 Feb 2016 15:07:54 GMT

@Anonymous wrote:
Just curious, did you become member first and the applied for the card and do you have any other accounts with them? Any idea how they look at BK on file? Overall their general terms seemed to be very appealing, thanks for the info

Had to apply for membership first, and also establish a checking account, before I was considered to be eligible to apply for the credit card. Sorry, not really very familiar though, with how BK-friendly they are.

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

galahad15 — Thu, 18 Feb 2016 15:08:54 GMT

@mikelo22 wrote:
Judging by the database, it looks like they pull EXP. Is that what they pulled for you?

Was it just one HP for membership and the card?

Yes, they pulled EX for me. Currently, my CRs are reporting only one inquiry, although not 100% sure if that will change, with my next credit reort going out next month, guess I'll maybe have to wait and see how it goes.

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

galahad15 — Thu, 18 Feb 2016 15:11:00 GMT

@satasat360 wrote:
Thanks OP for the details, I have DCU Visa which is also same i.e. no BT or cash advance fee and 6 months interest free BT every year after the holidays.

I joined DCU a few years ago in order to apply for their card as well, but unfortunately, I was denied for the card at the time. I think I may still have a checking account with a minimum balance with them currently, not 100% sure though.

Re: FYI: Western FCU fixed-rate VISA has no fees for either BT or cash advances

satasat360 — Thu, 18 Feb 2016 16:48:56 GMT

@VirusCredit13 wrote:
@satasat360 wrote:
Thanks OP for the details, I have DCU Visa which is also same i.e. no BT or cash advance fee and 6 months interest free BT every year after the holidays.
Is that part of terms, or is that just a promotion that they just have run every year after holidays.

6 months interest free BT is not part of terms, they are running this promo every year for the past 3-4 years.