topic Re: PSECU Question (Or direction to another thread) in Credit Cards

PSECU Question (Or direction to another thread)

Tonya-E — Wed, 29 Feb 2012 18:46:26 GMT

Hello everyone,

I have a couple of questions about PSECU. My husband is going to apply for a checking account/savings account here (possibly a visa as he needs to re-build IF he can get approved). 1. Do they pull your credit report even for a checking account with them? I want to go on as a joint account holder just for the EX FICO but at the same time I don't want any addtional HPs to my credit. So that may be a deciding factor. 2. Can an AU on a visa still get their EX FICO or do you have to be a joint account holder on the card? 3. Are the current account holders pleased with the services at PSECU?

If there is a thread that addresses these questions feel free to post the link. That will work too. I am just trying to make the decision on which way to go.

Re: PSECU Question (Or direction to another thread)

Anonymous — Wed, 29 Feb 2012 19:19:02 GMT

I can answer some, but not all of your questions. My wife recently became a member (student of a school they work with). I will soon be adding myself as a member and applying for their CC and auto loan.They do in fact do a HP for any account, even her who just got a savings account only. At least they said they would, we haven't checked her report to verify. I don't know about whether or not they will let an AU use the EX FICO, but am curious to know that as well.

Also, I would like to ask if anyone knows what their credit requirements (minimum score, etc) to be approved for the CC and auto loan? Thanks!

Re: PSECU Question (Or direction to another thread)

Smug — Wed, 29 Feb 2012 19:26:03 GMT

Mine was a HP for each product, checking and visa my scores were just at 700 with a few baddies, the gave me a 5k visa at 9.9 percent

Re: PSECU Question (Or direction to another thread)

Anonymous — Wed, 29 Feb 2012 19:33:19 GMT

@Smug wrote:
Mine was a HP for each product, checking and visa my scores were just at 700 with a few baddies, the gave me a 5k visa at 9.9 percent

Wow, I wish I could get a CL like that. I guess I could have a score around 680-700 by the time I app if it is anything like my EQ score now. So did you apply for earch product at separate times? Could I call them and do them all at once off of one pull? I would rather not get 3 pulls like that.

Re: PSECU Question (Or direction to another thread)

Tonya-E — Wed, 29 Feb 2012 19:43:22 GMT

Thank you Smug and Jimbo! I actually got an addtional question answered about the requirements! I am desperately trying to just finagle my way in with minimal damage. If I am going to take a HP then I would either not join or join on my own after he is established. We have a tricky situation here anyway. He is a PA resident. I am not. His address is not currenlty in PA of course but his active duty status lets him in so he has to be the one to apply. They told me they won't allow me to do it even with POA, which blew me away! But then again, I understand they are trying to make sure they keep non-residents, etc. out.

Re: PSECU Question (Or direction to another thread)

Smug — Wed, 29 Feb 2012 20:22:11 GMT

I was lucky got in under the wire as I live in Florida, Thatwas. Before they changed the policy.

Re: PSECU Question (Or direction to another thread)

grussell70 — Wed, 29 Feb 2012 20:47:41 GMT

i can answer some of the questions. an authorized user can not get their ex score. they hard pull for everything. if you are and authorized user they don't pull your credit at least thats how they did me. i am very pleased with them. i have all of my auto loans with them and i have their visa 20,000.00 limit. i just refinanced my car with them down to a 2.49 interest rate. the only complaint is that they hard pull for everything. if you apply for a auto loan and credit card the same day you will be hit with two hard pulls.

Re: PSECU Question (Or direction to another thread)

LS2982 — Wed, 29 Feb 2012 21:42:14 GMT

@tonyaether wrote:
Hello everyone,

I have a couple of questions about PSECU. My husband is going to apply for a checking account/savings account here (possibly a visa as he needs to re-build IF he can get approved). 1. Do they pull your credit report even for a checking account with them? Yes, this will be a HP I want to go on as a joint account holder just for the EX FICO but at the same time I don't want any addtional HPs to my credit. So that may be a deciding factor. 2. Can an AU on a visa still get their EX FICO or do you have to be a joint account holder on the card? Not sure on this, you may want to contact PSECU about it 3. Are the current account holders pleased with the services at PSECU? I Iove my experience so far with PSECU. I'm trying very hard to save my EX file for them in Jan. to get their 5K LOC/Credit card promo.

If there is a thread that addresses these questions feel free to post the link. That will work too. I am just trying to make the decision on which way to go.

Re: PSECU Question (Or direction to another thread)

LS2982 — Wed, 29 Feb 2012 21:44:15 GMT

@Smug wrote:
I was lucky got in under the wire as I live in Florida, Thatwas. Before they changed the policy.

Same here, very fortunate!

Re: PSECU Question (Or direction to another thread)

CreditMuppet — Wed, 29 Feb 2012 22:24:00 GMT

@tonyaether wrote:
Hello everyone,

I have a couple of questions about PSECU. My husband is going to apply for a checking account/savings account here (possibly a visa as he needs to re-build IF he can get approved). 1. Do they pull your credit report even for a checking account with them? I want to go on as a joint account holder just for the EX FICO but at the same time I don't want any addtional HPs to my credit. So that may be a deciding factor. 2. Can an AU on a visa still get their EX FICO or do you have to be a joint account holder on the card? 3. Are the current account holders pleased with the services at PSECU?

If there is a thread that addresses these questions feel free to post the link. That will work too. I am just trying to make the decision on which way to go.

It depends. Joining with a share and checking was a soft for me, no HP. I am however in their 'target' area which is the Harrisburg, PA area. It's my understanding that you must be a PA resident to join, however for out of state members who you refer *after* you have joined, there is no requirement for them to be a PA Resident according to PSECU.

Re: PSECU Question (Or direction to another thread)

Tonya-E — Thu, 01 Mar 2012 00:55:05 GMT

Ok he was in the Sharon, PA area before re-inlisting. So, def. not in that target area. But I did speak with PSECU to verify his eligibility. They confirmed that he is eligible, but as you said, he is the only one eligible. I would only be eligible after he joins. That's why he has to be the one to sign according to them. And of course he will have to provide his information and residency which will be no problem. My joining is really two fold for me. I would love to have a relationship with them for future mortgage opportunities. We have always debated whether we will move there eventually if he gets out or after he retires (depending on what he chooses), since his whole family is there. Then the FICO is a just a bonus until that time.