topic Re: RBFCU Question in Credit Cards

RBFCU Question

IncrsCreditScore — Sat, 03 Aug 2019 22:27:24 GMT

I joined subject credit union. I plan to eventually apply for a credit card with them. If any of you have experience with them, would you please advise what you believe to be their best credit card. TIA.

Re: RBFCU Question

AverageJoesCredit — Sat, 03 Aug 2019 22:34:52 GMT

Im not sure but some say the best card from Subject Credit Union is Math?. People like their percentages

Re: RBFCU Question

Anonymous — Sun, 04 Aug 2019 01:36:00 GMT

@IncrsCreditScore wrote:
I joined subject credit union. I plan to eventually apply for a credit card with them. If any of you have experience with them, would you please advise what you believe to be their best credit card. TIA.

Congrats on Membership with RBFCU. It really depends on whether you want a low interest card or the cash back version. I applied for the Cash Back (2%).

They pull TU Fico 8 last year and after manual review I was approved next day for $25K. I didn’t have to provide POI but in some cases they require it.

You can have both cards but I’m not sure what the time frame is to acquire both. I’ve only been a member for a year.

Re: RBFCU Question

Jetboy — Sun, 04 Aug 2019 13:34:24 GMT

@IncrsCreditScore wrote:
I joined subject credit union. I plan to eventually apply for a credit card with them. If any of you have experience with them, would you please advise what you believe to be their best credit card. TIA.

They only have 2 consumer cards. I have the 2% cashback rewards card. I like cashback rewards so that it the best card they have for my needs.

RBFCU - consumer credit cards

2% CashBack rewards card (APR starts at 12.15%)
Premier Rate low APR card (APR starts at 9.95%) with no cash back rewards

Re: RBFCU Question

M_Smart007 — Sun, 04 Aug 2019 05:07:19 GMT

@AverageJoesCredit wrote:
Im not sure but some say the best card from Subject Credit Union is Math?. People like their percentages

Silly Joe

Re: RBFCU Question

Adkins — Sun, 04 Aug 2019 05:52:06 GMT

@IncrsCreditScore wrote:
I joined subject credit union. I plan to eventually apply for a credit card with them. If any of you have experience with them, would you please advise what you believe to be their best credit card. TIA.

I would get the 2% cashback MC, but you only get the money once a year, fyi. I've been a member for decades now, but just recently got a joint card with my DH (we had applied for a loan, got approved and could get the card with no additional HP). If you have a good profile, the sky's the limit. I'd never bothered applying for their credit cards before, figuring my profile wasn't ideal. They are really pushing the card locally, with billboards and radio ads.

Re: RBFCU Question

Anonymous — Mon, 05 Aug 2019 08:49:46 GMT

Their cards are awesome! The best feature is the cashback option which allows you to directly transfer cash from your card into Checking. No cash advance fee and it’s charged at the cards assigned interest rate. To me it works a bit like a Check Line of Credit. I don’t carry a balance on my RBFCU card so that cards CL available for cash if I ever need it short term.

Re: RBFCU Question

Anonymous — Mon, 05 Aug 2019 12:18:06 GMT

@Anonymous wrote:
Their cards are awesome! The best feature is the cashback option which allows you to directly transfer cash from your card into Checking. No cash advance fee and it’s charged at the cards assigned interest rate. To me it works a bit like a Check Line of Credit. I don’t carry a balance on my RBFCU card so that cards CL available for cash if I ever need it short term.

How you ever tried to apply for their other card?

Re: RBFCU Question

Anonymous — Wed, 07 Aug 2019 17:29:08 GMT

As a matter of fact, I did just this morning. It’s in review. I haven’t seen any definitive answers as to whether they will grant a 2nd card. I hope I didn’t waste a HP!

Re: RBFCU Question

Anonymous — Thu, 08 Aug 2019 00:46:21 GMT

@Anonymous wrote:
As a matter of fact, I did just this morning. It’s in review. I haven’t seen any definitive answers as to whether they will grant a 2nd card. I hope I didn’t waste a HP!

I have $25K as well and when I applied for an CLI I was denied due to max limit based on income ($95K/year). Let us know how it turns out please. October makes a year I’ve been a member.