topic Re: Seriously!! PSECU !!Seriously!! in Credit Cards

Seriously!! PSECU !!Seriously!!

DI — Fri, 08 Jul 2011 15:05:10 GMT

You send me an application to app for one of your products. I obliged. You request 2 years of my W2 forms and paystubs. What else you want to know? How tall am I and my weight? Consider your offering of monthly EX FICO scores your saving grace!

Re: Seriously!! PSECU !!Seriously!!

RockinRay — Fri, 08 Jul 2011 15:11:42 GMT

They do this for all out of state applications... They did this to us also.

I sent them:

1. Last two paystubs for both my wife and I.

2. Last two years W2's for both of us.

3. 2010 Fed Tax Return. (did not request but sent anyway)

End result: $20k Visa / PSL.

They seem pretty cool to deal with. I have called them numerous times and they have always been nice.

Over kill them with paperwork and you will get some nice rewards!

Ray

Re: Seriously!! PSECU !!Seriously!!

DI — Fri, 08 Jul 2011 15:22:35 GMT

I'm requesting that they take me off their mailing list. Out of state members shouldn't be treated any differently than PA residence. I'm only interested in my EX FICO score.

Re: Seriously!! PSECU !!Seriously!!

CS800 — Fri, 08 Jul 2011 15:28:22 GMT

And I was thinking about doing my car refi with them. Lots of paperwork it seems like.

I do however use their checking ,transfer here and there and charge my gas bill on it.

Re: Seriously!! PSECU !!Seriously!!

DI — Fri, 08 Jul 2011 15:33:36 GMT

I emailed them info when I was applying for membership. They wanted proof of my physical address. I sent them copies of paystubs that disclosed my physical address. I also sent copies of my tax returns.

Re: Seriously!! PSECU !!Seriously!!

DI — Fri, 08 Jul 2011 15:36:08 GMT

@CS800 wrote:
And I was thinking about doing my car refi with them. Lots of paperwork it seems like.

I do however use their checking ,transfer here and there and charge my gas bill on it.

Monies I receive through PayPal transfers to my checking with them to show activity.

Re: Seriously!! PSECU !!Seriously!!

RockinRay — Fri, 08 Jul 2011 15:45:27 GMT

I am just doing a $5 per month transfer from USAA to them for my activity. Worth it for the FICO score for sure!

PayPal is a great idea, I might just do the same thing!

Ray

Re: Seriously!! PSECU !!Seriously!!

Anonymous — Sat, 09 Jul 2011 02:21:14 GMT

@RockinRay wrote:
I am just doing a $5 per month transfer from USAA to them for my activity. Worth it for the FICO score for sure!

PayPal is a great idea, I might just do the same thing!

Ray

Are you aware of a need to show activity, or just happy that you got in? I am asking because like DI, all I want is the score. No combo for me, as I understand that with a job change less than 6 months ago, it would be no combo for me, come back one year, so I won't waste another EX hard on them. Do they have a checking minimum that makes you immune from whatever consequences inactivity could bring?

Re: Seriously!! PSECU !!Seriously!!

laz98 — Sat, 09 Jul 2011 03:42:16 GMT

i don't use my checking account there either.

Re: Seriously!! PSECU !!Seriously!!

smallfry — Sat, 09 Jul 2011 11:24:11 GMT

@laz98 wrote:
i don't use my checking account there either.

Do yourself a favor. If you want to keep getting the free to you score then use one check per month. I pay a small utility bill. Joining 7 months ago was painless no docs were requested. Dunno about now.

Re: Seriously!! PSECU !!Seriously!!

DI — Sat, 09 Jul 2011 12:03:16 GMT

@smallfry wrote:
@laz98 wrote:
i don't use my checking account there either.
Do yourself a favor. If you want to keep getting the free to you score then use one check per month. I pay a small utility bill. Joining 7 months ago was painless no docs were requested. Dunno about now.

+1 To qualify for the FICO you need a checking account. To keep the checking account active one must show activity. No activity for a year may cause the checking account to close.

Re: Seriously!! PSECU !!Seriously!!

Anonymous — Sat, 09 Jul 2011 13:32:33 GMT

OK. If I ever do get the free EX score, I will then move on to deciding what isn't too much hassle to keep getting it. An ACH transfer here and there sounds about right.

Re: Seriously!! PSECU !!Seriously!!

visorboy1974 — Sat, 09 Jul 2011 13:34:27 GMT

@Anonymous wrote:
OK. If I ever do get the free EX score, I will then move on to deciding what isn't too much hassle to keep getting it. An ACH transfer here and there sounds about right.

I just do an ACH transfer once a month...a few dollars. Then I pay a cc bill with it and get it close to 0 again. Repeat as needed.

Re: Seriously!! PSECU !!Seriously!!

Anonymous — Sat, 09 Jul 2011 13:41:53 GMT

@visorboy1974 wrote:
@Anonymous wrote:
OK. If I ever do get the free EX score, I will then move on to deciding what isn't too much hassle to keep getting it. An ACH transfer here and there sounds about right.
I just do an ACH transfer once a month...a few dollars. Then I pay a cc bill with it and get it close to 0 again. Repeat as needed.

Sounds reasonable. I hope PSECU's billpay to other issuers' CCs is not the snail variety.

Re: Seriously!! PSECU !!Seriously!!

visorboy1974 — Sat, 09 Jul 2011 13:48:20 GMT

@Anonymous wrote:
@visorboy1974 wrote:
@Anonymous wrote:
OK. If I ever do get the free EX score, I will then move on to deciding what isn't too much hassle to keep getting it. An ACH transfer here and there sounds about right.
I just do an ACH transfer once a month...a few dollars. Then I pay a cc bill with it and get it close to 0 again. Repeat as needed.
Sounds reasonable. I hope PSECU's billpay to other issuers' CCs is not the snail variety.

I'm not sure on that question. I usually pull the payment from the CC website.

Re: Seriously!! PSECU !!Seriously!!

Woolfman — Sat, 09 Jul 2011 15:22:26 GMT

I just Direct deposit 20 bucks a week and forget about it

Re: Seriously!! PSECU !!Seriously!!

smc733 — Sat, 09 Jul 2011 16:27:57 GMT

I only use it for the FICO score. Since my credit building is coming to a close, I will be closing the $5 account in November, right before the one year inactivity hits.

Nothing special about PSECU to me.

Re: Seriously!! PSECU !!Seriously!!

DI — Sat, 09 Jul 2011 16:32:41 GMT

@smc733 wrote:
I only use it for the FICO score. Since my credit building is coming to a close, I will be closing the $5 account in November, right before the one year inactivity hits.

Nothing special about PSECU to me.

+1. PSEC who? Can we close the $5.00 account, keep the checking, and still remain a member? Will we still be able to get FICO score?

Re: Seriously!! PSECU !!Seriously!!

visorboy1974 — Sat, 09 Jul 2011 16:50:01 GMT

@DI wrote:
@smc733 wrote:
I only use it for the FICO score. Since my credit building is coming to a close, I will be closing the $5 account in November, right before the one year inactivity hits.

Nothing special about PSECU to me.

+1. PSEC who? Can we close the $5.00 account, keep the checking, and still remain a member? Will we still be able to get FICO score?

Your $5 is your membership share in the CU...you close it, and you're no longer a member.

Re: Seriously!! PSECU !!Seriously!!

DI — Sat, 09 Jul 2011 16:58:24 GMT

Since myFico price a FICO score and report at $19.95, my staying a member for the free FICO is worth it. I already have free access to my EX report, so I'm saving $239.40/year. Not bad at all!!