topic Re: Recommendations for Credit unions to apply for- 10k+ in Credit Cards

Recommendations for Credit unions to apply for- 10k+

Mdz377 — Tue, 16 Dec 2025 00:18:40 GMT

Hi everyone, longtime reader, but first time poster.

I am looking to build some relationships with credit unions to work towards higher limits in my rebuilding journey.

Chapter 7 bk discharged in oct 2020, no late payments since.

3 auto loans

10k limit with Rize fcu

10k limit with LBS FCU

3k capital one savor

3k capital one quicksilver

3k paypal credit

1k apple card

various smaller rebuilder cards.

11 inquiries experian in past 24 months

Avg age of accounts 4 years 7 months

Currently at 682 with experian, roughly the same with TU and equifax.

Trying to find credit unions that will match or exceed my 10k limits for the 2 CUs- preferably that pull experian. Any ideas? I am in southern california

Re: Recommendations for Credit unions to apply for- 10k+

AndySoCal — Tue, 16 Dec 2025 00:54:26 GMT

@Mdz377 Does the credit union have to be in California? The two have credit cards with are Southern California. With the number of inquires you have I would suggest pausing in apping for new cards. With all those inquires lenders are going to concerns over those inquires.

Re: Recommendations for Credit unions to apply for- 10k+

BrutalBodyShots — Tue, 16 Dec 2025 01:28:41 GMT

Hey there @Mdz377. A fan favorite always seems to be NFCU if you qualify.

Also, is there a reason you are hanging onto "rebuilder" cards when you've already got a sufficent number of meaningful bank cards?

Re: Recommendations for Credit unions to apply for- 10k+

unsungivy — Tue, 16 Dec 2025 22:43:24 GMT

I love Affinity FCU. They're a great balance of products, friendliness, and decent tech.

Re: Recommendations for Credit unions to apply for- 10k+

EasyMark — Tue, 16 Dec 2025 22:58:41 GMT

Langley FCU has a dynamite 5% rotator card (pick one of three categories a month, $2000-$3300/month!) - I was a newbie there, and they gave me a $20k CL! (They also offer 10% on the chosen category for the first sixth months!)

Re: Recommendations for Credit unions to apply for- 10k+

RobertS2 — Tue, 16 Dec 2025 23:20:03 GMT

PenFed is my favorite, but you've probably already considered them. What about First Tech / Alliant FCU?

Re: Recommendations for Credit unions to apply for- 10k+

Mdz377 — Wed, 17 Dec 2025 09:28:37 GMT

Thank you all for the responses so far- will definitely look into those CUs. A couple things I wanted to add:

Have been in business 7 years, but my llc's business credit isnt great. Have a new LLC with a clean slate.

Inquiries on experian are only 3 in the last 6 months after double checking.

Burned chase and amex in BK.

Would love to build back some biz credit if possible- any recs there? Ive heard mixed things about Elan financial and a lot of good things about Key Bank, Truist, and univest. Can anyone speak to these or any others? Or is it better to just stick to CUs for now? Thanks in advance.

Re: Recommendations for Credit unions to apply for- 10k+

unsungivy — Wed, 17 Dec 2025 13:16:09 GMT

@Mdz377 wrote:
Thank you all for the responses so far- will definitely look into those CUs. A couple things I wanted to add:
Have been in business 7 years, but my llc's business credit isnt great. Have a new LLC with a clean slate.
Inquiries on experian are only 3 in the last 6 months after double checking.
Burned chase and amex in BK.
Would love to build back some biz credit if possible- any recs there? Ive heard mixed things about Elan financial and a lot of good things about Key Bank, Truist, and univest. Can anyone speak to these or any others? Or is it better to just stick to CUs for now? Thanks in advance.

Have handled my father's Truist account for him. Would NOT recommend. Definitely not user friendly and poor card selection.

Re: Recommendations for Credit unions to apply for- 10k+

AndySoCal — Wed, 17 Dec 2025 20:49:16 GMT

@EasyMark I would disagree with the Langley FCU recommendation. The card works fine if tapped or swiped in a store. But I had problems with the card. See link below

https://ficoforums.myfico.com/t5/Credit-Cards/Langley-FCU-Credit-Card-declined-transactions/m-p/6830767

Ultimately I ended the relationship with Langley. All that said that was my experience

Re: Recommendations for Credit unions to apply for- 10k+

EasyMark — Wed, 17 Dec 2025 21:05:22 GMT

It's funny that was your experience- with both Langley and Redstone, contrary to myth I find customer service overall and getting resolution much more frustrating with them than banks in general. With Langley I've had different issues - it took me months to educate them how to calculate rewards amounts over the first few months, as it seemed they had no clue, and my transaction problems were with a health food place they insisted they said was a bar, even though the MCC code (which their credit card people had no idea what that was) showed it as a restaurant, and these were transactions within the place on site, and I dared them to prove there was a bar anywhere on the premises.

Re: Recommendations for Credit unions to apply for- 10k+

AndySoCal — Thu, 18 Dec 2025 01:47:23 GMT

@EasyMark Langley customer service leaves a lot to be desired at times. When I closed the membership they did not ask any questions as to why. The only place I have ever encountered that. If I tapped or swiped the card it was fine. Any card transactions that were internet based I had problems with. As with you they had no answers. Not sure if part my problem is my using the card in California where Ilive and Langley being in New Jersey I think. Edited to fix the Redstone part of the post

Redstone after I made the post light bulb went on as to you are referring to was the recent nerf. some lost a five percent catagory going to two percent - gas. I lost a 3 percent catagory going to a 1.50 percent which the minimum percent you can earn. In reponse to the nerf I got the Walmart One Pay Walmart+ five percent cash back. Later this month I will have fast food as a five percent catagory on Cash plus. Between those two changes and Us Bank cash plus giving me two percent which the smaller part of my restraunts catagory spend. So I see a percent catagory like Amazon or something else that is not yet known I think will come out ahead on the deal.