topic Re: I absolutely LOVE PSECU! in Credit Cards

I absolutely LOVE PSECU!

itsjustmeibe — Wed, 19 Aug 2009 12:34:11 GMT

Personal membership - yes

$20k credit card - yes (2x - me & my BFF)

Business account - yes

Real estate equity loan - yes (2x)

Free FICO score - yes

Ease of applications, documents, customer service - PRICELESS

Re: I absolutely LOVE PSECU!

score_building — Wed, 19 Aug 2009 14:06:48 GMT

super congrats! looks like you hit the ground running

how it is that PSECU is the only org able and willing to offer a card with a real ex score benefit is confounding and, well, a bummer- lol since PSECU is difficult to qualify for with a relatively narrow field of membership, strictly enforced

Re: I absolutely LOVE PSECU!

Anonymous — Thu, 20 Aug 2009 00:52:14 GMT

@score_building wrote:
super congrats! looks like you hit the ground running

how it is that PSECU is the only org able and willing to offer a card with a real ex score benefit is confounding and, well, a bummer- lol since PSECU is difficult to qualify for with a relatively narrow field of membership, strictly enforced

Why do you say this?

Re: I absolutely LOVE PSECU!

score_building — Thu, 20 Aug 2009 02:13:32 GMT

entry not granted by joining an org upon app. for eg., membership limited to those with a predefined employment relationship, school attendance, etc.

Re: I absolutely LOVE PSECU!

Anonymous — Thu, 20 Aug 2009 02:19:06 GMT

I know what the membership field is. I was wondering about the "strict enforcement" part.

Re: I absolutely LOVE PSECU!

score_building — Thu, 20 Aug 2009 02:37:27 GMT

creditwherecreditisdue wrote:
I know what the membership field is. I was wondering about the "strict enforcement" part.
again, no offer of a global entry method through joining an affiliated org., you or family had to have attended or worked somewhere specific, many cu have strictly enforced membership requirements like this.

Re: I absolutely LOVE PSECU!

Anonymous — Thu, 20 Aug 2009 02:58:23 GMT

My niece attended one of the named schools. How strictly is that going to be enforced?

Re: I absolutely LOVE PSECU!

score_building — Thu, 20 Aug 2009 04:00:17 GMT

lol, perhaps it was the awkward phraseology? open = everybody can join closed or 'strictly enforced' membership requirements = not everybody can join. good to know. i thought it was only nuclear family.

Re: I absolutely LOVE PSECU!

Anonymous — Thu, 20 Aug 2009 04:01:35 GMT

It sort of is. And that would be enforced how exactly? (I am also a ~~god~~parent of the aforementioned person.)

Re: I absolutely LOVE PSECU!

score_building — Thu, 20 Aug 2009 04:15:28 GMT

i think they may use a clearinghouse to verify attendance of the qualifying person, not sure if they check anything else. they seem like a really great cu, that's awesome that you have a way in. i was trying to figure out if i did since a csr told me that have they thousands of orgs that can qualify you as an employee of. i glanced at the long list but it didn't seem like thousands. i think i'll have another look.

@Anonymous wrote:
It sort of is. And that would be enforced how exactly? (I am also a ~~god~~parent of the aforementioned person.)

Re: I absolutely LOVE PSECU!

Anonymous — Thu, 20 Aug 2009 04:21:27 GMT

Yeah I looked thru the list and at first (long) glance I couldn't find anything else that worked.

Of course I could completely legitimatize myself by having my sister (as mother) join and then me as brother, or my parents (as grandparents) and then me as son. (Since I got my sister to app for a PenFed card and she got rejected as one of those too upscale for PenFed's profile - FICO high achiever with way too much available unsecured credit - I think I would have to go with my parents.)

Re: I absolutely LOVE PSECU!

itsjustmeibe — Thu, 20 Aug 2009 17:46:19 GMT

@Anonymous wrote:
Yeah I looked thru the list and at first (long) glance I couldn't find anything else that worked.

Of course I could completely legitimatize myself by having my sister (as mother) join and then me as brother, or my parents (as grandparents) and then me as son. (Since I got my sister to app for a PenFed card and she got rejected as one of those too upscale for PenFed's profile - FICO high achiever with way too much available unsecured credit - I think I would have to go with my parents.)

Your sister doesn't have to be a member for you to join with her affiliation, she just has to be eligible for membership...

I qualified through my mom who retired as a PA school teacher, but she is not a member.

Re: I absolutely LOVE PSECU!

Anonymous — Fri, 21 Aug 2009 20:33:11 GMT

@itsjustmeibe wrote:
@Anonymous wrote:
Yeah I looked thru the list and at first (long) glance I couldn't find anything else that worked.

Of course I could completely legitimatize myself by having my sister (as mother) join and then me as brother, or my parents (as grandparents) and then me as son. (Since I got my sister to app for a PenFed card and she got rejected as one of those too upscale for PenFed's profile - FICO high achiever with way too much available unsecured credit - I think I would have to go with my parents.)
Your sister doesn't have to be a member for you to join with her affiliation, she just has to be eligible for membership...
I qualified through my mom who retired as a PA school teacher, but she is not a member.

This would be affiliation once removed. My niece is the qualified one, not my sister.