topic Re: PSECU card data points (ISO) in Credit Cards

PSECU card data points (ISO)

ThetoriParadox — Tue, 15 Sep 2020 22:30:42 GMT

I was wondering if anyone has any DP on score, baddies, length of relationship with PSCEU, etc for CC approvals? I just joined and can not find any info!!

Re: PSECU card data points (ISO)

spiritcraft1 — Tue, 15 Sep 2020 22:43:05 GMT

They also have a secured card. Paper app. and you call to have them send it. Last year they told me that it was no hard pull.

I think it is a relationship builder. They pull EX 2 normally.

Re: PSECU card data points (ISO)

ThetoriParadox — Tue, 15 Sep 2020 22:54:34 GMT

Awesome! I will have to call and ask about that!

Re: PSECU card data points (ISO)

Anonymous — Tue, 15 Sep 2020 23:03:59 GMT

Rebuilder DP:https://ficoforums.myfico.com/t5/Credit-Card-Approvals/WOW-credit-rebuild-results-in-a-awesome-PSECU-approval/td-p/6127909

ymmv

Re: PSECU card data points (ISO)

ThetoriParadox — Wed, 16 Sep 2020 00:18:29 GMT

Thanks @Anonymous I saw that one earlier! Crazy there is such limited info about any of their products.

Re: PSECU card data points (ISO)

newmomnewme — Wed, 16 Sep 2020 01:11:34 GMT

I joined in 2016 and applied for their credit card and personal loan immediately. I refinanced my auto loan with them a few months later. EX was 660. They look at score, DTI and income.

I don't have knowledge about the secured card. But I do know that they have great rates and awesome customer care.

Re: PSECU card data points (ISO)

Anonymous — Wed, 16 Sep 2020 16:42:06 GMT

I just appd and got approved for their Founders card...with a 30k limit. I was surprised. That's by far my highest SL.

They have a 5 year exclusion if you filed BK. (Mine just hit the 5yr mark). I waited a long time to app for this.

DP:

Pulled Experian 745 (per. Psecu app)

Banked with them for 7 years

Bk7 discharged 9-9-2015, no derogs or late payments since

2 inquiries in last 2 years

All balances paid in full each month on cards

Re: PSECU card data points (ISO)

newmomnewme — Wed, 16 Sep 2020 16:47:41 GMT

Nice hit @Anonymous !! I have the classic visa (15k CL since 2016) and requested an increase and they approved $5k. Do you know if the 30k Max is only for the founders card? Do you know if they rather give more than one card?

Re: PSECU card data points (ISO)

Anonymous — Wed, 16 Sep 2020 16:50:39 GMT

That I'm not sure of. They must like my profile I guess.

Re: PSECU card data points (ISO)

UH_HUH — Wed, 16 Sep 2020 17:34:17 GMT

@newmomnewme wrote:
Nice hit @Anonymous !! I have the classic visa (15k CL since 2016) and requested an increase and they approved $5k. Do you know if the 30k Max is only for the founders card? Do you know if they rather give more than one card?

I joined PSECU about 3 years ago. Apped for

credit and they offered 30K.

I could put it on The Founders card

or the Classic card. My choice. I split it

at 15K each. I believe 30K is the limit

on credit cards with them. Wonderful CU

from my home state :-)

Hope this helps,

good luck whatever you decide to do,

Cheers

Re: PSECU card data points (ISO)

spiritcraft1 — Thu, 17 Sep 2020 19:18:56 GMT

@ThetoriParadox wrote:
Awesome! I will have to call and ask about that!

More detail on the Secured It is 9.9% interest. $500 to $2000 CL's You earn interest on the deposit. I do not think it unsecures but they told me that it does build a relationship which matters to them apparently. Again, you have to call for this but they are super cool and friendly!

I never went forward due to being relatively close to being "clean". I wish I would have learned about it earlier. There are a couple threads here a couple years old of people in the low 600's getting decent lines for the classic but that was pre covid.