topic Re: Garden Savings FCU ~ Open MEMBERSHIPS ~ in Credit Cards

Garden Savings FCU ~ Open MEMBERSHIP ~

ScoreOrBeScored — Mon, 02 May 2016 23:26:05 GMT

Its not too often that when we run across new cards or CU's that everyone can indulge in. This seems like something we all

can participate in. Builders,rebuilders, and established. Seems like they can help with revolving and installment building. I

ran across this CU that has open membership and they look like they are really into helping people to build and rebuild and

have the score requirements for APR's laid out on the table. I don't know any info as far is it a SP or HP, if they run Chex,

which CRA they pull or what type of limits they are handing out. Just a small donation to ACC will get you in the door.

Maybe this can benefit a lot of people here.

Builders and rebuilders this is YOUR time to shine. You guys dive in first and make it your own as I'm sure

others will follow. >>>LEAD or be LED<<<

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

baller4life — Mon, 02 May 2016 20:57:56 GMT

Nice find Score! Sure wish I had known about them when I was rebuilding! Hopefully others here can benefit from this CU that certainly appears to be rebuilder friendly!

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

ScoreOrBeScored — Mon, 02 May 2016 21:02:11 GMT

Thank you baller....and a 680 will get you 8% !!! That's impressive .... They really do seem like a understanding CU

based off tgese 2 products .l I'd encourage others to crawl around the site...

Also, go to "About Us " tab to see more info on the Elgibility .

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

Anonymous — Mon, 02 May 2016 21:36:19 GMT

Very interesting. Maybe someone will test the waters and let us know all the details

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

Anonymous — Mon, 02 May 2016 21:38:07 GMT

"You are also eligible for membership if you live, work, worship, attend school, volunteer or regularly conduct business in Newark, Elizabeth, or Jersey City. Your family members are eligible as well. (Businesses and other legal entities included.)"

BUT, they have a ridiculously long list of company and organizations that are also within their "field of membership", some are big (inter)national companies (Alcatel-Lucent, Fisher Scientific, Manpower, Compass Group, etc)

You can join American Consumer Council for $5 to be eligible.

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

UncleB — Mon, 02 May 2016 22:14:54 GMT

This has my interest piqued... I'm subscribing to this thread!

If anybody decides to give them a try, be sure to let us know how it goes!

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

ScoreOrBeScored — Mon, 02 May 2016 22:21:13 GMT

Thank you uncle B l.l. I will be calling tomorrow and asking all the good details we all like to know.

hp or sp

how long it's good for

which CRA pulled

if apps are instant or do they go for manual review

and anything else I can think of or if someone else wants to chime in with question they'd like answered tomorrow

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

baller4life — Mon, 02 May 2016 22:25:03 GMT

I have a question. Are they playa haters? In other words are they anti-Egyptians or afraid of those with alot of available credit?

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

UncleB — Mon, 02 May 2016 22:31:01 GMT

@baller4life wrote:
I have a question. Are they playa haters? In other words are they anti-Egyptians or afraid of those with alot of available credit?

I don't get all the 'Egyptian Hate' myself...

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

baller4life — Mon, 02 May 2016 22:38:05 GMT

@UncleB wrote:
@baller4life wrote:
I have a question. Are they playa haters? In other words are they anti-Egyptians or afraid of those with alot of available credit?

I don't get all the 'Egyptian Hate' myself...

Me neither UncleB. I'm not monogamous when it comes to lenders. I like to spread the love around. I'll never have all my eggs in one basket. Some of these CUs have in issue with that(yeah I'm talking to you NASA )

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

CreditCuriosity — Mon, 02 May 2016 22:54:38 GMT

Nice find..

Who is going to be the Guinea pig?

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

baller4life — Mon, 02 May 2016 23:02:23 GMT

@CreditCuriousity wrote:
Nice find..

Who is going to be the Guinea pig?

I nominate you CC. Lol

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

ScoreOrBeScored — Mon, 02 May 2016 23:08:31 GMT

Go for it CC.... Where is Ron1 , CA, and Pizza !! Lol

those are my 4 recommendations. Lol... Oh yuh,mand Humu and Irish.... Lollll

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

CreditCuriosity — Mon, 02 May 2016 23:39:29 GMT

@baller4life wrote:
@CreditCuriousity wrote:
Nice find..

Who is going to be the Guinea pig?
I nominate you CC. Lol

EQ can't take a hit nor can Experian.. They would have to be a TU puller and all is on ice atm.. So I can't be the GP here.. Where is CA when we need him.. Irish might be a good one as well although we need someone in the 660 range and someone in the 720 range for a good sample .. So need more than 1 GP in all honesty, but for whom they pull assume we might be able to call lending and find out?

Located in NJ.. Kinda scares me with that one lol

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

kdm31091 — Mon, 02 May 2016 23:37:48 GMT

@baller4life wrote:
@UncleB wrote:
@baller4life wrote:
I have a question. Are they playa haters? In other words are they anti-Egyptians or afraid of those with alot of available credit?

I don't get all the 'Egyptian Hate' myself...
Me neither UncleB. I'm not monogamous when it comes to lenders. I like to spread the love around. I'll never have all my eggs in one basket. Some of these CUs have in issue with that(yeah I'm talking to you NASA )

It's more an issue of too much overall credit IMO, not the fact of being diversified. There is a range between having all of one's eggs in one basket and having too much exposure.

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

Themanwhocan — Mon, 02 May 2016 23:46:49 GMT

@Anonymous wrote:
"You are also eligible for membership if you live, work, worship, attend school, volunteer or regularly conduct business in Newark, Elizabeth, or Jersey City. Your family members are eligible as well. (Businesses and other legal entities included.)"

BUT, they have a ridiculously long list of company and organizations that are also within their "field of membership", some are big (inter)national companies (Alcatel-Lucent, Fisher Scientific, Manpower, Compass Group, etc)

You can join American Consumer Council for $5 to be eligible.

You used to be able to join American Consumer Council for free, with a promo code. It was 'consumer' last year if i recall correctly...

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

ScoreOrBeScored — Mon, 02 May 2016 23:47:33 GMT

@CreditCuriousity wrote:
@baller4life wrote:
@CreditCuriousity wrote:
Nice find..

Who is going to be the Guinea pig?
I nominate you CC. Lol
EQ can't take a hit nor can Experian.. They would have to be a TU puller and all is on ice atm.. So I can't be the GP here.. Where is CA when we need him.. Irish might be a good one as well although we need someone in the 660 range and someone in the 720 range for a good sample .. So need more than 1 GP in all honesty, but for whom they pull assume we might be able to call lending and find out?

Located in NJ.. Kinda scares me with that one lol

Yes your so right CC.mwe need files from all walks of life.lol

we need 550...600.....650....700....750

thatnwill give us good range of scores and of course each file will be different,,but hey..l that's what being the pig is all about !!!!!!

something tells me they're gonna be a EQ puller ..

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

CreditCuriosity — Mon, 02 May 2016 23:49:33 GMT

Most CU's are EQ pullers, well most CC companies have it in for my EQ that can't get a breather unless frozen like my other reports!

Re: Garden Savings FCU ~ Open MEMBERSHIPS ~

Loquat — Tue, 03 May 2016 00:12:47 GMT

@ScoreOrBeScored wrote:
@CreditCuriousity wrote:
@baller4life wrote:
@CreditCuriousity wrote:
Nice find..

Who is going to be the Guinea pig?
I nominate you CC. Lol
EQ can't take a hit nor can Experian.. They would have to be a TU puller and all is on ice atm.. So I can't be the GP here.. Where is CA when we need him.. Irish might be a good one as well although we need someone in the 660 range and someone in the 720 range for a good sample .. So need more than 1 GP in all honesty, but for whom they pull assume we might be able to call lending and find out?

Located in NJ.. Kinda scares me with that one lol
Yes your so right CC.mwe need files from all walks of life.lol

we need 550...600.....650....700....750

thatnwill give us good range of scores and of course each file will be different,,but hey..l that's what being the pig is all about !!!!!!

something tells me they're gonna be a EQ puller ..

Don't forget to toss a BK 7 and 13 in there

Re: Garden Savings FCU ~ Open MEMBERSHIP ~

baller4life — Tue, 03 May 2016 00:27:09 GMT

Definitely Loquat! We needs all score ranges of gps including BKs.