topic Re: PSECU APPROVAL in Credit Cards

PSECU APPROVAL

max2mum — Fri, 13 Jan 2012 22:19:36 GMT

Got approved for PSECU visa/PSL combo today! Credit limit $10,000. They used experian.

Re: PSECU APPROVAL

LS2982 — Fri, 13 Jan 2012 22:20:21 GMT

@max2mum wrote:
Got approved for PSECU visa/PSL combo today! Credit limit $10,000. They used experian.

Very nice Congrats!!!

I hope to join them next year, I love this CU!

Re: PSECU APPROVAL

TryN2Rebuild — Fri, 13 Jan 2012 22:36:59 GMT

I have to wait until my BK is 5 yrs old which is in April. I am hoping to get the visa/PSL also.

Re: PSECU APPROVAL

visorboy1974 — Fri, 13 Jan 2012 23:00:21 GMT

@ewingerter wrote:
I have to wait until my BK is 5 yrs old which is in April. I am hoping to get the visa/PSL also.

OP, congrats!

I waited until 5 years post discharge and PSECU has been very very good to me. Started at $5K and went to $20K within 6 months.

Re: PSECU APPROVAL

max2mum — Fri, 13 Jan 2012 23:04:16 GMT

I am hoping to do the same in 6months.

Re: PSECU APPROVAL

visorboy1974 — Fri, 13 Jan 2012 23:09:37 GMT

@max2mum wrote:
I am hoping to do the same in 6months.

@I did a CLI @ 3 months to $10K, then just got the $20K after the 6th month. Hopefully you'll be able to skip right to the $20K without having any stops in between.

Re: PSECU APPROVAL

CS800 — Fri, 13 Jan 2012 23:17:45 GMT

@max2mum wrote:
Got approved for PSECU visa/PSL combo today! Credit limit $10,000. They used experian.

Nice !!

I hope to get the same product mid next year with them.

Re: PSECU APPROVAL

max2mum — Fri, 13 Jan 2012 23:35:16 GMT

Thanks for letting me know. Any suggestions as to how I could avoid the in-between?

Re: PSECU APPROVAL

Tonya-E — Fri, 13 Jan 2012 23:38:51 GMT

I would love to join this CU at some point in the future. I have a question though, do you have to be a current PA state employee/affiliate or will they approve you if you formerly were one? I was thinking of a checking/or savings there eventually. I just wanted to get my foot in the door at some point for the rates so that my hubby and I can buy a property there one day (his home state/current military home of record). He used to be eligible but not sure he would currently be.....

Re: PSECU APPROVAL

TryN2Rebuild — Fri, 13 Jan 2012 23:44:10 GMT

visorboy1974,

If you don't mind me asking what were your scores when you app'd? Where they inq sensitive? Were they UTL sensitive? Thanks for the info!!

Re: PSECU APPROVAL

Anonymous — Fri, 13 Jan 2012 23:50:10 GMT

Nice, congrats! I'd love to join PSECU - but mainly for the EX score. Unfortunately (or fortunately ) I don't live in PA and I don't have any relatives out there, so it doesn't seem like theres an in with them. I can't believe they're the only CU offering the score. I get EQ from DCU and TU from Walmart, now I just *need* my EX score somehow.

Re: PSECU APPROVAL

max2mum — Sat, 14 Jan 2012 00:21:36 GMT

My score at the time-ex-642. It is not score driven. They look at your complete picture. I called on the phone and did the app with a rep. As far as I know you have to live in PA to be a member, or work for a company that is a member. You can certainly call them and explore all possibilites with them.

Re: PSECU APPROVAL

TryN2Rebuild — Sat, 14 Jan 2012 00:37:36 GMT

I got in before they stopped taking people that didn't live or work in PA.

Re: PSECU APPROVAL

visorboy1974 — Sat, 14 Jan 2012 02:13:51 GMT

@ewingerter wrote:
visorboy1974,

If you don't mind me asking what were your scores when you app'd? Where they inq sensitive? Were they UTL sensitive? Thanks for the info!!

EX FICO was 703 when I was approved.

OP, as for a way to avoid the in between stop, I'd just use the card a bit if I were you...I think their CLI process is pretty easy.

Re: PSECU APPROVAL

Anonymous — Sat, 14 Jan 2012 03:10:45 GMT

I wish I could join PSECU but unfortunately I don't have a relative living there but my parents do have a friend who lives there. I wonder if she can vouch for me as being a relative if she becomes a member

Re: PSECU APPROVAL

Chaos122 — Sun, 15 Jan 2012 04:11:56 GMT

Congrats, Psecu keeps giving me the cold shoulder. Theyve declined me 3 times over the last year and a half for recent inquries or recently opened accounts. Im going to wait till all my accounts and inquiries are over a year old and try again. They could care less about my fico score, they said they dont want to see any new accounts. Ive seen other people getting approved with a bunch new accounts, but their playing hardball with me,lol

I completely understand where their coming from, its just annoying that i can get approved for amex and chase and the "lenient" psecu wont budge.

Maybe next year

Re: PSECU APPROVAL

LS2982 — Sun, 15 Jan 2012 11:29:14 GMT

@Chaos122 wrote:
Congrats, Psecu keeps giving me the cold shoulder. Theyve declined me 3 times over the last year and a half for recent inquries or recently opened accounts. Im going to wait till all my accounts and inquiries are over a year old and try again. They could care less about my fico score, they said they dont want to see any new accounts. Ive seen other people getting approved with a bunch new accounts, but their playing hardball with me,lol

I completely understand where their coming from, its just annoying that i can get approved for amex and chase and the "lenient" psecu wont budge.
Maybe next year

Let your accounts age and they'll approve you!! You have to look at it as how bad do you want this card?? Can you garden for a year for it??