topic Re: CCCU in Credit Cards

CCCU

dangphuocloc72 — Wed, 05 Sep 2007 17:05:51 GMT

JUST GOT CALL FROM CCCU , BEEN APROVE $500 BECAUSE AU BANKOFAMERICA , ( MAX OUT $11500)

I ASK LADY ON THE PHONE FOR CL 1000 , SHE SAY I HAVE 4 CARDS , AND I TOLD HER I JUSK CANCLE 2 AND DISPUTE BANKOFAMERICA NOT MINE , SHE SAY OK , SHE GIVE ME CL 1000 WITH NO FEE . O% PURCHASES FIRST SIX MONTH . FIXED 10.90% CASH ADVANCE AND BALANCE TRANSFER .

THANKS YOU GUYS .

Re: CCCU

SpecFile — Wed, 05 Sep 2007 17:08:55 GMT

Outstanding! Congratulations on the new card.

Re: CCCU

Anonymous — Wed, 05 Sep 2007 17:29:51 GMT

Do you have to be a member to apply for the CCCU card?

Re: CCCU

dangphuocloc72 — Wed, 05 Sep 2007 17:42:29 GMT

NO . JUST READ IN THIS FORUM AND I APPLY ONLINE , NEXT DAY THEY CHECK MY EX . AND I EMAIL THEM , THEY RETURN MAIL SAY :

Dear Loc Dang,

Thank you for contacting Christian Community Credit Union. In regards
to your internet application, we received it on 8/27/07. It has not
yet
been processed.

We are asking your patience. We are currently about 1-2 weeks behind.
We will contact you as soon as possible.

Thank you,

Tammy Allen
Loan Officer
255 N. Lone Hill Ave. San Dimas, CA 91773
800.347.CCCU ext. 6301 * Fax 909.599

THEY CALL ME YESTERDAY , ASK ME FILL OUT FORM THEY EMAIL FOR ME AND FAX THEM BACK FORM AND PAYSTUD , SS CARD . AND TELL ME CL 500 , I ASK 1000 THEY OK .

Re: CCCU

Anonymous — Wed, 05 Sep 2007 17:54:57 GMT

If you don't mine me asking what was your EX score?

Re: CCCU

dangphuocloc72 — Wed, 05 Sep 2007 18:11:51 GMT

BY DATE THEY FULL MY CR . I CHECK MY FICO EX AROUND 675 , NOW IT WENT DOWN ( DON'T KNOW # ???) BECAUSE NEW ACCOUNT AND TOO MANY INQ IN MY CREDIT REPORT . INQ EQ #30 , EX #14 , TU # 7 ??????

EX: CHARGE OFF ( VERIZON ) . LATE MORE THAN 180 ( CHILD SUPORT )

TU # 692 (08-20-07) , CHECK TODAY SCORD WENT DOWN 657 ( DON'T KNOW WHY , IT HAVE BEEN REMOVE PULLIC RECORD ( 09-01-2000) . STILL HAVE 1 CHARGE OFF ( VERIZON ) . 1 LATE MORE THAN 180 ( CHILD SUPORT )

EQ # 632 : 1 PULLIC RECORD 01-01-2001 . 1 COLECTION . ALL ACCOUNT (9) PAY AS AGREE .

Message Edited by dangphuocloc72 on 09-05-2007 11:11 AM

Re: CCCU

Anonymous — Wed, 05 Sep 2007 18:14:10 GMT

Thanks!! That looks a lot like my report

Re: CCCU

dangphuocloc72 — Wed, 05 Sep 2007 18:29:23 GMT

1. MEMBERSHIP ELIGIBILITY
(check all that apply)

Approved by Date Membership Officer Date

Promo Code

Card Issuer: ______________________________________________

Card Account No. __________________________________________

Address: _________________________________________________

City:_________________________ State:_______ Zip:____________

Phone Number: ____________________________________________

Transfer Amount ($500 minimum) $ ____________________________

I am interested in receiving information about credit life and credit disability insurance
I agree to the conditions on the reverse side of this form and to be bound by each of the terms of the credit card agreement, including arbitration. I certify that I’m eligible for
membership based on the relationship indicated above.
Primary Account Information: Account Type:
o Individual o Joint (Complete co-applicant info)

Name: ________________________________________________________________________________________________________________

Address: ______________________________________________ City: _______________________________ State: ______ Zip: ___________

Social Security No. __________________________ Date of Birth: ____________________ Driver License No. ____________________________

E-mail: _______________________________________________________ Home Phone: _______________ Business Phone: _______________

Current Employer: ______________________________________ Date Employed: _____________ Monthly Income (before taxes) $ ______________

Rent/Mortgage Payment $ ________________________________ Total of other monthly Loan/Credit Payments $ ___________________________

Co-Application Information:

Name: _________________________________________________________________________________________________________________

Address: ______________________________________________ City: _______________________________ State: ______ Zip: ___________

Social Security No. __________________________ Date of Birth: ____________________ Driver License No. ____________________________

E-mail: _______________________________________________________ Home Phone: _______________ Business Phone: _______________

Current Employer: ______________________________________ Date Employed: _____________ Monthly Income (before taxes) $ ______________

Rent/Mortgage Payment $ ________________________________ Total of other monthly Loan/Credit Payments $ __________________________

Card Type:
o Visa o MasterCard Credit Limit Desired: $_______________________________
2. ACCOUNT INFORMATION
3. TRANSFER YOUR BALANCE & SAVE APR
%
introductory balance transfer rate for 18 months!®
.Platinum Rewards Credit Cards

101 S. Barranca Ave. Covina, CA 91723 800.347.CCCU • F:626.915.1370 • info@myCCCU.com • myCCCU.com

NO Annual Fee
0%
APR introductory rate on purchases for six months
2.9%
APR introductory rate on balance transfers for 18 months
10.9%
APR low standard rate
See reverse for terms, disclosures and card benefits.
Yes! I want to save time and money with one low monthly payment.

Transfer the following balance(s) from my high-rate account(s) to the low-rate CCCU “The Card that Gives to Missions & Ministries.”

2.90% transfer rate is only valid when balances are transferred during the first 60 days of account open date. 10.9% thereafter.

Transfers are cash advances with no grace period on finance charge. 2.90% transfer rate does not apply to CCCU credit cards and loans.

Gives to Missions and Ministries

Over $1.8 million given since 1994.

Card Issuer: ______________________________________________

Card Account No. __________________________________________

Address: _________________________________________________

City:_________________________ State:_______ Zip:____________

Phone Number: ____________________________________________

Transfer Amount ($500 minimum) $ ____________________________

_____________________________________________________________________

Applicant Signature Date

_____________________________________________________________________

Applicant Signature Date

X
How did you
oFamily oFriend oWork oMagazine NAME______________________ oNewspaper NAME__________________________________________ oOther__________________________
hear about CCCU?
oChurch oSchool oMail oRadio STATION________________________ oEvent/Presentation NAME__________________________________ oOnline
Up to 10,000 Bonus CUReward points

for airfaire, merchandise and more*.

o I am a CCCU member. Account Number:___________________________

o I am a relative of a CCCU member.

Name:_________________________________________ Relationship:___________________________ Phone:_______________________________

o I am a: o Member o Pastor o Missionary o Student/Alumnus o Resident o Board/Committe Member o Employee o Other__________

Of (Church/School/Organization):___________________________________________________________________________________________

Address:__________________________________________________________________________________________________________

City:________________________________________ State:_________ Zip:_________________ Phone:____________________________

o I affirm the statement of faith below:

God loves us and created us to know Him. He has a wonderful plan for our lives. People are sinful and separated from God, so we cannot know

Him or experience His love and plan. Jesus Christ is God’s only provision for our sin. Through Him alone we can know God and experience His love

and plan. I have received Jesus Christ as my Savior and Lord.

†
†
†
†

CU.PRVMCC.0806

You get all these Platinum credit card benefits:
• Gives to Missions & Ministries

• Worldwide Acceptance

• Global Customer Assistance

• 100% Fraud Protection

• Lost/Stolen Card Reporting

• Earns CURewards

• Warranty Manager Service

• Roadside Dispatch

• Purchase Security

• Travel Accident Insurance

• No Annual Fee

• Auto Rental Insurance

• Emergency Card & Cash

• Travel & Emergency Assistance

• Year-End Summary Statement

The following information is provided pursuant to the Truth-in-Lending Act/Regulation Z.

=INTEREST RATES AND FEES UNDER THIS CREDIT CARD ACCOUNT

0% introductory APR for purchases during the first six months.

Annual Percentage Rate (APR) for purchases Thereafter, fixed 10.90% APR.

_______________________________________________________________________________________________________________________

Balance transfer APR: 10.90%

__________________________________________________________________

Other APRs Cash advance APR: 10.90%

__________________________________________________________________

Penalty APR: 17.90%1

_______________________________________________________________________________________________________________________

Annual Fee None

_______________________________________________________________________________________________________________________

Balance transfer fee None

_______________________________________________________________________________________________________________________

Grace period for balance transfer and cash advance None

_______________________________________________________________________________________________________________________

_ T_r_an_s_a_c_t_io_n_ _fe_e_ _fo_r_ p_u_r_c_h_a_s_es______________________________N_o_n_e_______________________________________________________________

Grace period for repayment of the balance for purchases 25 days for purchases if full balance is paid by due date.

_______________________________________________________________________________________________________________________

Transaction fee for cash advances 2.00% with a minimum of $5.00

_______________________________________________________________________________________________________________________

Late payment fee $10.00

_______________________________________________________________________________________________________________________

Returned check fee on payments $25.00

_______________________________________________________________________________________________________________________

$10.00 each month the account balance exceeds the credit limit by

Over the credit limit fee 20.00% or $500.00, whichever is lower at the cycle closing.

_______________________________________________________________________________________________________________________

International service assessment fee 1.00% of transaction amount.

_______________________________________________________________________________________________________________________

Cash advance daily limit $1,000

_______________________________________________________________________________________________________________________

Method of computing the balance for purchases Average daily balance (including new purchases).

_______________________________________________________________________________________________________________________

1. If your account becomes 2 cycles delinquent at any time, your APR will increase to 17.90%. If your APR is increased due to delinquency, the new rate will

remain in effect until you have maintained a current payment record for six consecutive cycles at which time your APR will decrease to the current standard

rate.

*CURewards:
Receive up to 10,000 CURewards bonus points on purchases: 5,000 when you’re approved and up to 5,000 more with double points for the

first six months. Donations to churches and many ministries also earn double points and are subject to change without notice. Points earned will be credited

to your account each month, will accrue over five calendar years and expire on a first-in-first-out basis annually. Points earned in calendar year one will

expire as of the last day of calendar year five. Maximum number of points you can earn is 75,000 per calendar year.

Card Agreement and Federal Truth-in-Lending Disclosure:
By my/our signature I/we acknowledge that I/we will be bound by all the terms and

conditions of the credit card agreement and Truth-in-Lending disclosure statement which will be provided later with or before issuance of cards. If upon

receipt and review of said credit card agreement and Truth-in-Lending statement, I/we do not agree to be so bound upon receipt of any credit card issued

pursuant to this application, I/we will render same unusable by cutting in half and will return it to the Credit Union with notice of my intention. I/We also

warrant the accuracy and completeness of information I/we have supplied herein, acknowledge that the Credit Union will rely on same in determining to

extend credit, authorize the Credit Union to verify said information by any means, and report performance under this account to any credit reporting agency.

Notice to Applicant:
The following applies if you are not already a member of Christian Community Credit Union. I hereby apply for membership in CCCU

with this application and certify that I qualify for membership based on the relationship stated in section 1. I understand that CCCU’s non-refundable

membership fee of $5 will be charged to my credit card account if my application is approved. I further understand that to continue my membership in

CCCU, I must maintain this credit card account relationship or separately establish a member savings account should I discontinue this credit card account.

Credit Union membership is not required for spouse as a joint applicant.

Important Information About Opening a New Account:
To help the government fight the funding of terrorism and money laundering activities, Federal

law requires us to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an

account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s

license or other identifying documents.

Note:
This form was printed on, and the information herein is current as of 08/01/06. The interest rate is fixed; however, the interest rate and all terms

could change sometime in the future. If terms change, you will receive prior notice. To find out what may have changed, call 800.347.CCCU, or write to:

Christian Community Credit Union, P.O. Box 3012, Covina, CA 91722.

Message Edited by dangphuocloc72 on 09-05-2007 11:29 AM

Message Edited by dangphuocloc72 on 09-05-2007 11:29 AM

Re: CCCU

Anonymous — Wed, 05 Sep 2007 20:22:21 GMT

Hi all, just curious, are non christians applying for this card? I think I would have a problem affirming their statement. Not necessarily their mission, (helping people in need is always good).

comments?

Re: CCCU

SpecFile — Wed, 05 Sep 2007 22:12:51 GMT

I don't think they require you to be a Christian. I think that would be against the law. Hope this helps you.

Re: CCCU

Anonymous — Wed, 05 Sep 2007 22:25:32 GMT

It is a Christian Credit Union. You can join by acknowledging and accepting Jesus Christ. Right on their website.

Membership is open to individuals, churches and ministries within the Christian Community. You can be eligible or membership through family, faith or association.

Faith:
Another way individuals can join Christian Community Credit Union is by affirming the following personal Statement of Faith:

God loves us and created us to know Him. He has a wonderful plan for our lives. People are sinful and separated from God, so we cannot know Him or experience His love and plan. Jesus Christ is God’s only provision for our sin. Through Him alone we can know God and experience His love and plan. I have received Jesus Christ as my Savior and Lord.

Association:
You can also join the Credit Union if you are a member, employee, student or retirement home resident of qualifying churches, schools and ministry organizations.
> View qualified list

Well you can have a christian relative and be a Satan worshipper I guess.

Message Edited by Brammy on 09-05-2007 06:25 PM

Re: CCCU

SpecFile — Wed, 05 Sep 2007 22:40:19 GMT

I haven't been to their site but I thought that it was against the law to not extend credit to persons because of race, religion, sexual whatever or anything of the like. I am going to research this.

Re: CCCU

Anonymous — Wed, 05 Sep 2007 22:43:31 GMT

Well I dont think I blame them for putting that out there. I dont think they actually double check to see if you;re a christian or not. Or if holy water burns.

I am going to be in so much trouble

Message Edited by Brammy on 09-05-2007 06:43 PM

Re: CCCU

SpecFile — Wed, 05 Sep 2007 22:46:29 GMT

I am a Christian but I don't believe that when it comes to CCs it should matter what you believe in order to qualify for a CC.

Message Edited by SpecFile on 09-05-2007 05:46 PM

Re: CCCU

Anonymous — Wed, 05 Sep 2007 22:52:04 GMT

SpecFile wrote:

I am a Christian but I don't believe that when it comes to CCs it should matter what you believe in.

They really dont exclude since there is no litmus test. Thats the beauty of true christians, they can forgive you most everything. Because what you do is between you and the Big Guy.

They can do what they will as they are not associated with any government agencies such as the NCUA. Deposits are privately insured

Message Edited by Brammy on 09-05-2007 06:47 PM

Message Edited by Brammy on 09-05-2007 06:52 PM

Re: CCCU

Anonymous — Thu, 06 Sep 2007 10:44:50 GMT

SpecFile wrote:
I don't think they require you to be a Christian. I think that would be against the law. Hope this helps you.

Why would someone who isn't one want to be a member anyway? Just curious.

Re: CCCU

laryn41 — Thu, 06 Sep 2007 11:22:15 GMT

Maybe to get the Credit card?

Re: CCCU

MidnightVoice — Wed, 12 Dec 2007 21:02:00 GMT

HouseHunter wrote:

SpecFile wrote:
I don't think they require you to be a Christian. I think that would be against the law. Hope this helps you.

Why would someone who isn't one want to be a member anyway? Just curious.

Because they are have been good to people with poor credit in the past. I have not used them, but a lot of people were applying earlier this year, with a lot of success I believe

Re: CCCU

Anonymous — Wed, 12 Dec 2007 21:28:59 GMT

@SpecFile wrote:
I haven't been to their site but I thought that it was against the law to not extend credit to persons because of race, religion, sexual whatever or anything of the like. I am going to research this.

CUs are allowed to set their membership requirements as they choose. CCCU does not exclude anyone based on their religious beliefs, but they do require that you are a part of, affiliated with or related to someone in a Christian organization. They do not require that you are a bible toting quoting Christian and they don't require that you present your baptismal certificate or convert to Christianity.

Re: CCCU

Anonymous — Wed, 12 Dec 2007 22:04:22 GMT

Any idea how long it takes to hear from them? I apped last wed. and emailed for update this am, but nothing yet today.

Thanks,

~aaagirl1