topic National Credit Unions credit card pre qualify in Credit Cards

National Credit Unions credit card pre qualify

Anonymous — Wed, 04 Mar 2020 21:43:02 GMT

What national credit unions that offer pre qualify credit cards? These would be the one who take anywhere in the US.

Re: National Credit Unions credit card pre qualify

Anonymous — Thu, 05 Mar 2020 04:38:58 GMT

USAlliance Federal Credit Union - https://www.usalliance.org/pre-qualification

When I looked at this credit union a few months ago it seemed like anyone could join but I could be wrong.

Re: National Credit Unions credit card pre qualify

Anonymous — Thu, 05 Mar 2020 05:38:11 GMT

@Anonymous wrote:
USAlliance Federal Credit Union - https://www.usalliance.org/pre-qualification

When I looked at this credit union a few months ago it seemed like anyone could join but I could be wrong.

Nice find. Looks like anyone can join through a donation.

I also prequalified for a credit card and personal loan. I don't need a new card or a personal loan right now but it's nice to be wanted. 😂

The APRs are also high and they have more fees than I'm used to seeing with CUs. Their Signature VISA has a whopping 5% fee with a $10 minimum for BTs, for example.

I also did a quick search and I see their prequal isn't really known to be that solid. People applied just to get denied.

Re: National Credit Unions credit card pre qualify

AverageJoesCredit — Thu, 05 Mar 2020 12:21:36 GMT

As per usual, im out .

Re: National Credit Unions credit card pre qualify

Anonymous — Thu, 05 Mar 2020 18:49:30 GMT

So uhh... US Alliance actually seems pretty good. They called me to ask me if I had any questions they could answer or if they could help me finish my app. The guy was incredibly friendly and knowledgeable. They pull Experian and they use EX2. If you have a 740 EX2 you'll get their lowest rate. I'm impressed that he knew specifically what EX2 even was.

I told him that I am waiting for my BK to fall off before I add any new accounts and he gave me his direct number when I'm ready since he works in new member services anyway.

I had a similar call from NFCU when I joined in 2018 and I was annoyed because I felt like I was being pressured to open a checking account with them which I didn't want to do at the time but this was not a sales call. I asked questions and got the information I was looking for. I actually think I'm going to add their VISA Signature to my October app plans.

Re: National Credit Unions credit card pre qualify

AverageJoesCredit — Thu, 05 Mar 2020 19:30:18 GMT

Good info @Anonymous good luck when you go for it

Re: National Credit Unions credit card pre qualify

Anonymous — Thu, 05 Mar 2020 19:32:16 GMT

Thanks AJC!

Kind of shocked me that they called me back based on a prequal! Not even 24 hours!

Re: National Credit Unions credit card pre qualify

RehabbingANDBlabbing — Thu, 05 Mar 2020 19:43:30 GMT

@Anonymous wrote:
Thanks AJC!

Kind of shocked me that they called me back based on a prequal! Not even 24 hours!

They called me too. Did anyone else see specific terms on the pre-qualified screen? Mine was super vague, so I didn't put in an application. I have some baddies on my Experian report, so I am not trying to waste an HP.

Re: National Credit Unions credit card pre qualify

seattletravels — Thu, 05 Mar 2020 19:56:32 GMT

Good luck when do apply, @Saeren!

Re: National Credit Unions credit card pre qualify

Anonymous — Thu, 05 Mar 2020 20:22:01 GMT

Navy Federal does. There pre qual is over the phone not on their site. You can be in any state to join as long as you have some kind of connection with the military or DOD.

Re: National Credit Unions credit card pre qualify

seattletravels — Thu, 05 Mar 2020 20:23:53 GMT

@Anonymous wrote:
What national credit unions that offer pre qualify credit cards? These would be the one who take anywhere in the US.

You've had a lot of these prequal threads. Hope you're finding the information you're looking for.

Re: National Credit Unions credit card pre qualify

AverageJoesCredit — Thu, 05 Mar 2020 20:25:45 GMT

@Anonymous wrote:
It's a trap.

Lol, you cant say this without using a GIF, or at the very least, an @UncleB Star Wars gif

Re: National Credit Unions credit card pre qualify

Anonymous — Thu, 05 Mar 2020 20:47:36 GMT

@RehabbingANDBlabbing wrote:
@Anonymous wrote:
Thanks AJC!

Kind of shocked me that they called me back based on a prequal! Not even 24 hours!
They called me too. Did anyone else see specific terms on the pre-qualified screen? Mine was super vague, so I didn't put in an application. I have some baddies on my Experian report, so I am not trying to waste an HP.

The mobile prequal was awful. It didn't say anything about any specific products. I'm interested in the Siggy so I'm definitely going to have that 740 EX2 before I apply for it. I figure that the score should help make my low income less of an issue, especially since when I actually go for the card I'm going to have no revolving debt and be AZEO (because EX2 UGH!)

Re: National Credit Unions credit card pre qualify

Anonymous — Thu, 05 Mar 2020 20:49:12 GMT

@seattletravels wrote:
Good luck when do apply, @Saeren!

Thanks!

It would be my first Siggy so that's kind of neat. I actually like the black design of the card too although raised numbers will be a compromise I'll just have to make.

Re: National Credit Unions credit card pre qualify

coldfusion — Thu, 05 Mar 2020 21:33:49 GMT

USAlliance? They're the ones that triggered the bogus HP on my Experian report last fall when they mistyped the member # on an in-branch CC application. I sporadically gave status updates in GC over the more than 2 months it took for them to finally correct it.

Re: National Credit Unions credit card pre qualify

Anonymous — Thu, 05 Mar 2020 22:55:15 GMT

@coldfusion wrote:
USAlliance? They're the ones that triggered the bogus HP on my Experian report last fall when they mistyped the member # on an in-branch CC application. I sporadically gave status updates in GC over the more than 2 months it took for them to finally correct it.

I remember that.

Things happen with any FI and they at least fixed it in the end, right?

Re: National Credit Unions credit card pre qualify

Guyatthebeach — Thu, 05 Mar 2020 23:07:46 GMT

I was checking out their website and tried the prequalify page. Ten minutes later, they called me. Very interesting.

Guyatthebeach

Re: National Credit Unions credit card pre qualify

Anonymous — Tue, 09 Mar 2021 04:11:23 GMT

@Anonymous wrote:
USAlliance Federal Credit Union - https://www.usalliance.org/pre-qualification

When I looked at this credit union a few months ago it seemed like anyone could join but I could be wrong.

Looked interesting so I checked it out. It says "Pre-Qualified" but nothing else. I don't want to hit APPLY from here.

Re: National Credit Unions credit card pre qualify

AverageJoesCredit — Fri, 06 Mar 2020 00:53:48 GMT

Cmon Team myFico, lets show a FI how we stampede🐂😁

Re: National Credit Unions credit card pre qualify

Guyatthebeach — Fri, 06 Mar 2020 01:16:24 GMT

@AverageJoesCredit wrote:
Cmon Team myFico, lets show a FI how we stampede🐂😁

I have cards with better rates and rewards than what they offer. I do like the retro Visa design, but that's not enough for a HP.

Guyatthebeach