topic Re: Credit Union credit cards in Credit Cards

Credit Union credit cards

Anonymous — Fri, 10 Jun 2016 13:20:43 GMT

I'd like to try for a credit card issued by a credit union. I was looking at the credit pulls database last night and I saw that NFCU gives around a 5k limit with a TU score of over 680? Mine is currently 689. If I become a member, do I have a chance of being approved for one of their cards?

Re: Credit Union credit cards

baller4life — Fri, 10 Jun 2016 13:29:29 GMT

Yes you do. They are awesome. You are eligible to join right?

Re: Credit Union credit cards

Anonymous — Fri, 10 Jun 2016 13:48:48 GMT

I should be. I will try today. Does NFCU pull TransUnion? I want to make sure about this before I try and take the HP for it.

Re: Credit Union credit cards

baller4life — Fri, 10 Jun 2016 13:58:29 GMT

They pull TU for membership and EQ for credit

Re: Credit Union credit cards

Anonymous — Fri, 10 Jun 2016 13:59:05 GMT

LOL, Ok, nevermind. I wouldnt be eligible. Can anyone recommend any other credit unions that would approve me for a LOC?

Re: Credit Union credit cards

baller4life — Fri, 10 Jun 2016 14:17:37 GMT

What part of Texas are you? Security Service Federal Credit Union is an awesome CU. Largest in Texas. But, only certain areas are eligible. They pull TU. Check them out.

Re: Credit Union credit cards

Anonymous — Fri, 10 Jun 2016 14:30:17 GMT

I'm in Dallas.

Re: Credit Union credit cards

baller4life — Fri, 10 Jun 2016 14:36:46 GMT

Ooohhh I know you can join Randolph Brooks who is also a good CU that pulls TU. Check SSFCU's website and see if Dallas is covered. I'm not sure.

Re: Credit Union credit cards

jacetx — Fri, 10 Jun 2016 14:41:59 GMT

@baller4life wrote:
Ooohhh I know you can join Randolph Brooks who is also a good CU that pulls TU. Check SSFCU's website and see if Dallas is covered. I'm not sure.

OP can qualify for membership with RBFCU by joining the American Consumer Council (ACC) for free.

Re: Credit Union credit cards

baller4life — Fri, 10 Jun 2016 14:50:11 GMT

Yep all Texans can join RBFCU thru ACC.

Re: Credit Union credit cards

FroggieMom — Fri, 10 Jun 2016 14:55:45 GMT

@baller4life wrote:
Ooohhh I know you can join Randolph Brooks who is also a good CU that pulls TU. Check SSFCU's website and see if Dallas is covered. I'm not sure.

+1 I LOVE RBFCU so far! Been a member since Jan...opened a checking/savings and the rate advantage CC. Aim high on your request for a SL because CLI are HP with them! I asked and received $15K. Their customer service is fabulous, they actually give .25% interest on savings, and their mobile deposit is QUICK.

Re: Credit Union credit cards

ScoreOrBeScored — Fri, 10 Jun 2016 15:04:54 GMT

Yes, I to live in Dallas and Rbfcu is my primary financial institution...my heir great ... There are a few branches also

1 in Frisco

1 in Plano

you ou will like them ...

Re: Credit Union credit cards

Anonymous — Fri, 10 Jun 2016 15:18:11 GMT

@FroggieMom wrote:
@baller4life wrote:
Ooohhh I know you can join Randolph Brooks who is also a good CU that pulls TU. Check SSFCU's website and see if Dallas is covered. I'm not sure.
+1 I LOVE RBFCU so far! Been a member since Jan...opened a checking/savings and the rate advantage CC. Aim high on your request for a SL because CLI are HP with them! I asked and received $15K. Their customer service is fabulous, they actually give .25% interest on savings, and their mobile deposit is QUICK.

All I need to do is become a member and immediately can apply for a card? Do you know what your TU score was when you got 15k?

Re: Credit Union credit cards

ScoreOrBeScored — Fri, 10 Jun 2016 15:49:41 GMT

Once your a member , you can start applying for products. No wait period.

i had a 740 Fico and a 740 score pulled thru them. And 1 30 day auto loan late that was 6 yrs old. I got best/lowest rates

i believe a 720 will get yiu their best rates .

what are your trying to accomplish ?

Whats holding your scores down ?

Re: Credit Union credit cards

Anonymous — Fri, 10 Jun 2016 15:38:37 GMT

@ScoreOrBeScored wrote:
Once your a member , you can start applying for products. No wait period.

i had a 740 Fico and a 740 score pulled thru them. And 1 30 day auto loan late that was 6 yrs old. I got best/lowest rates

i believe a 720 will get yiu their best rates .

what are your trying to accomplish ?

Whats T S holding your scores down ?

I'd like a bank card issued by a federal credit union and eventually would like to refinance my car through the same CU. My TU report is completely clean, score is 689 probably due to inquiries. It was 706 when the last baddie came off then went down to 689 after i applied for some cards.

Re: Credit Union credit cards

ScoreOrBeScored — Fri, 10 Jun 2016 15:44:10 GMT

sorry about the typo ...

App for CC

App for PLOC

App for a auto refi

RBFCU will refinance their own loans. (Auto) so if today you got approved for auto refi @ 2.99% and then in 10 months your scores got better ,

you can ask to refinance your auto loan again and will get the lower rate you qualify for...

Im @ 1.65% now. If they go lower , I can refinance and get the lower rate !!!!!

Re: Credit Union credit cards

FroggieMom — Fri, 10 Jun 2016 15:49:42 GMT

@Anonymous wrote:
@FroggieMom wrote:
@baller4life wrote:
Ooohhh I know you can join Randolph Brooks who is also a good CU that pulls TU. Check SSFCU's website and see if Dallas is covered. I'm not sure.
+1 I LOVE RBFCU so far! Been a member since Jan...opened a checking/savings and the rate advantage CC. Aim high on your request for a SL because CLI are HP with them! I asked and received $15K. Their customer service is fabulous, they actually give .25% interest on savings, and their mobile deposit is QUICK.
All I need to do is become a member and immediately can apply for a card? Do you know what your TU score was when you got 15k?

Yes, I applied for everything online at one time. My scores were hovering around 700-710, so I got their 2nd tier rate on the CC (9.95%) . Scores over 720 qualify for their 1st tier rates. Not sure were the cutoff point is for 2nd/3rd tier...I'm guessing maybe 680??...so a 679 would get you 3rd tier and a 680+ would get you 2nd tier rates.

I know there was a thread on here specific to RBFCU awhile back, you could search for it. That thread helped me make my decision to go with them and I haven't regretted it.

Re: Credit Union credit cards

ScoreOrBeScored — Fri, 10 Jun 2016 16:01:45 GMT

@FroggieMom wrote:
@Anonymous wrote:
@FroggieMom wrote:
@baller4life wrote:
Ooohhh I know you can join Randolph Brooks who is also a good CU that pulls TU. Check SSFCU's website and see if Dallas is covered. I'm not sure.
+1 I LOVE RBFCU so far! Been a member since Jan...opened a checking/savings and the rate advantage CC. Aim high on your request for a SL because CLI are HP with them! I asked and received $15K. Their customer service is fabulous, they actually give .25% interest on savings, and their mobile deposit is QUICK.
All I need to do is become a member and immediately can apply for a card? Do you know what your TU score was when you got 15k?
Yes, I applied for everything online at one time. My scores were hovering around 700-710, so I got their 2nd tier rate on the CC (9.95%) . Scores over 720 qualify for their 1st tier rates. Not sure were the cutoff point is for 2nd/3rd tier...I'm guessing maybe 680??...so a 679 would get you 3rd tier and a 680+ would get you 2nd tier rates.

I know there was a thread on here specific to RBFCU awhile back, you could search for it. That thread helped me make my decision to go with them and I haven't regretted it.

I love them TOO !!! I pay my car note every 2 weeks and each payment is $20 more than it should be. meaning I pay extra $40 a month..

you can pay whatever amount you want and when you want.

Get a PLOC also, you want regret it lol

Re: Credit Union credit cards

Anonymous — Fri, 10 Jun 2016 16:05:15 GMT

Thank you for all the help. When I become a member, do I need to also open a checking or savings with them? If so, what is the minimum deposit? I probably will even if it's not required, I currently bank with BoA and they have requirements to get free checking/savings and also charge for checks, etc. RBFCU doesn't have all that so it'd be better for me anyway.

Re: Credit Union credit cards

ScoreOrBeScored — Fri, 10 Jun 2016 16:11:58 GMT

$5 for savings and $0 for checking and all your checks are FREE . Even when you reorder ....

you can open more savings account online in your online account and they show up instantly and $0 is required ...

please se remeber there is a branch in Frisco & Plano. The loan process in branch is done over video chat. And they have computer and

scanner in the office and all docs are scanned to you and you scan back what's required... You are the only person in the room when you app

and no banker will be in there with you . They submit your apps while your on chat and will give you your approvals while you sit there .

i think you will love the in branch experience....