topic Re: CU RECOMMENDATIONS in Credit Cards

CU RECOMMENDATIONS

Anonymous — Wed, 22 Jul 2009 03:30:27 GMT

I have an Alliant credit card. Definitely interested in 1 additional CU card b/c of major banks schizophrenic behavior.

I have read a lot about PenFed (great CU but can be difficult to obtain) and NFCU (limited membership).

Anyone have experience with other CUs that have liberal membership requirements, good credit products, and that pull EQ (my best). I live in California and most (actually all) locally based CUs pull Experian.

Thanks

Re: CU RECOMMENDATIONS

Anonymous — Wed, 22 Jul 2009 05:07:31 GMT

This site may be of interest:

http://www.ccul.org/

Did I advise you recently to wait for a while and then app PenFed, or am i loopy?

Re: CU RECOMMENDATIONS

Anonymous — Wed, 22 Jul 2009 05:18:53 GMT

@Anonymous wrote:
This site may be of interest:

http://www.ccul.org/

Did I advise you recently to wait for a while and then app PenFed, or am i loopy?

You're a sly one. Realistically, PenFed is probably a year away. My immediate concern is to have immediate backup to CITI, Chase, GEMB.

Thanks for the link.

Re: CU RECOMMENDATIONS

Anonymous — Wed, 22 Jul 2009 05:24:15 GMT

This is a large CU located in CA that many people like:

https://www.patelco.org/

Don't sell yourself short on PenFed. If you are interested you have to present a reasonably clean slate to them. In order to do so you have to freeze your app's.

Re: CU RECOMMENDATIONS

score_building — Wed, 22 Jul 2009 05:59:14 GMT

addison avenue and patelco but they both pull EX as do most in your location afaik.

Re: CU RECOMMENDATIONS

Anonymous — Wed, 22 Jul 2009 05:59:58 GMT

@Anonymous wrote:
This is a large CU located in CA that many people like:

https://www.patelco.org/

Don't sell yourself short on PenFed. If you are interested you have to present a reasonably clean slate to them. In order to do so you have to freeze your app's.

Thanks again for the link. The problem is that most California CUs pull EXP (including Patelco) For some reason, all my majors (CITI, Chase, AMEX, US Bank) and both my leases pulled EXP, I have in excess of 10 inq. on EXP, but only 3 on EQ. That's the dilemma.

Re: CU RECOMMENDATIONS

Anonymous — Wed, 22 Jul 2009 09:06:44 GMT

Seems like you've got quite a few cards from the majors, and a CU backup card, too.

If you really want another CU card, why not hold off on the apps until your inquiries fall away? Your score will go up as the inquiries fall off, and you'll set yourself up to qualify for the more stringent CU lenders.

I echo creditwherecreditisdue's advice. Stop app'ing for now.

Carry on...

Re: CU RECOMMENDATIONS

smallfry — Wed, 22 Jul 2009 09:34:12 GMT

I was denied a card mid 2008 from Patelco for some of the reasons you might get a denial from Penfed today. Too much new credit. The BK didn't help. I would wait. Unsuccessful on recon. Wasted Experian pull.

Re: CU RECOMMENDATIONS

Anonymous — Wed, 22 Jul 2009 13:36:06 GMT

CCCU used to be a hot item on this site. I opened account 1/08. very good to do business with. they just gave me 2500 cli without my asking and no pull. Originally they pulled hard on EX and soft on EQ..