topic Re: Question about OCCU in Credit Cards

Question about OCCU

Anonymous — Tue, 17 Jun 2014 22:23:13 GMT

Hello all:

I know that this may be a sensitive subject for many of you. Many of you may say that I might be dancing with the devil, lol...

I know OCCU closed a lot of accounts earlier this year, but prior to the meltdown, they were giving awesome limits. Do any of you know if they still give decent limits post-meltdown? Assuming you qualify of course (which I do).

Looking to add 2 nice CUs to portfolio.

Re: Question about OCCU

coldnmn — Tue, 17 Jun 2014 22:26:17 GMT

If your in their area yes. I read not many if any get approved if not within their footprint area.

Re: Question about OCCU

Anonymous — Tue, 17 Jun 2014 22:49:55 GMT

@coldnmn wrote:
If your in their area yes. I read not many if any get approved if not within their footprint area.

I don't live in the area, but I qualify via relative. I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile. I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.

Thanks

Re: Question about OCCU

coldnmn — Tue, 17 Jun 2014 22:54:25 GMT

@Anonymous wrote:
@coldnmn wrote:
If your in their area yes. I read not many if any get approved if not within their footprint area.
I don't live in the area, but I qualify via relative. I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile. I will figure the rest later.

CSP $14k
BoA Rewards $18k
Citi/ Sears $11k
Barclays $5k
Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.

Thanks

I'm not sure about $20k though, that is huge for any credit card.

Re: Question about OCCU

tcbofade — Tue, 17 Jun 2014 22:56:40 GMT

@Anonymous wrote:
@coldnmn wrote:
If your in their area yes. I read not many if any get approved if not within their footprint area.
I don't live in the area, but I qualify via relative. I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile. I will figure the rest later.

CSP $14k
BoA Rewards $18k
Citi/ Sears $11k
Barclays $5k
Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.

Thanks

Yes, it would.

However, you post that you are already under 10% utilization, so dropping it further won't really help you in any measurable way.

I would pass on this idea unless there is more to the logic. Opening new lines to lower util when you're already under 10% seems unnecessary to me.

JMHO.

Re: Question about OCCU

coldnmn — Tue, 17 Jun 2014 22:58:01 GMT

@tcbofade wrote:
@Anonymous wrote:
@coldnmn wrote:
If your in their area yes. I read not many if any get approved if not within their footprint area.
I don't live in the area, but I qualify via relative. I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile. I will figure the rest later.

CSP $14k
BoA Rewards $18k
Citi/ Sears $11k
Barclays $5k
Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.

Thanks
Yes, it would.

However, you post that you are already under 10% utilization, so dropping it further won't really help you in any measurable way.

I would pass on this idea unless there is more to the logic. Opening new lines to lower util when you're already under 10% seems unnecessary to me.

JMHO.

Re: Question about OCCU

Anonymous — Tue, 17 Jun 2014 23:21:38 GMT

@tcbofade wrote:
@Anonymous wrote:
@coldnmn wrote:
If your in their area yes. I read not many if any get approved if not within their footprint area.
I don't live in the area, but I qualify via relative. I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile. I will figure the rest later.

CSP $14k
BoA Rewards $18k
Citi/ Sears $11k
Barclays $5k
Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.

Thanks
Yes, it would.

However, you post that you are already under 10% utilization, so dropping it further won't really help you in any measurable way.

I would pass on this idea unless there is more to the logic. Opening new lines to lower util when you're already under 10% seems unnecessary to me.

JMHO.

I hear ya. I should add I am looking to buy a new car as well as am taking a vacation too. Honestly, the only card I ever use is my Barclays. And I PIF most times, if not I pay very close to it. CSP is new, haven't broken it in yet. I think getting with a generous credit union wouldn't hurt

Plus, Ron1 is my idol!

Re: Question about OCCU

tcbofade — Tue, 17 Jun 2014 23:23:39 GMT

@Anonymous wrote:
@tcbofade wrote:
@Anonymous wrote:
@coldnmn wrote:
If your in their area yes. I read not many if any get approved if not within their footprint area.
I don't live in the area, but I qualify via relative. I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile. I will figure the rest later.

CSP $14k
BoA Rewards $18k
Citi/ Sears $11k
Barclays $5k
Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.

Thanks
Yes, it would.

However, you post that you are already under 10% utilization, so dropping it further won't really help you in any measurable way.

I would pass on this idea unless there is more to the logic. Opening new lines to lower util when you're already under 10% seems unnecessary to me.

JMHO.
I hear ya. I should add I am looking to buy a new car as well as am taking a vacation too. Honestly, the only card I ever use is my Barclays. And I PIF most times, if not I pay very close to it. CSP is new, haven't broken it in yet. I think getting with a generous credit union wouldn't hurt

Plus, Ron1 is my idol!

LOL!

Generous, yes...but a bit scizophrenic as well.

Ditto.

Re: Question about OCCU

B335is — Tue, 17 Jun 2014 23:26:06 GMT

@Anonymous wrote:
@coldnmn wrote:
If your in their area yes. I read not many if any get approved if not within their footprint area.
I don't live in the area, but I qualify via relative. I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile. I will figure the rest later.

CSP $14k
BoA Rewards $18k
Citi/ Sears $11k
Barclays $5k
Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.

Thanks

Just app for a GE card and call Credit Solutions.

OCCU is the definition of amateur hour. As much as I dislike CU's in general there are far better options: Andrews, DCU, SDFCU, Ft. Knox, NASA, Penfed to name a few.

Re: Question about OCCU

Anonymous — Wed, 18 Jun 2014 05:27:00 GMT

@B335is wrote:
@Anonymous wrote:
@coldnmn wrote:
If your in their area yes. I read not many if any get approved if not within their footprint area.
I don't live in the area, but I qualify via relative. I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile. I will figure the rest later.

CSP $14k
BoA Rewards $18k
Citi/ Sears $11k
Barclays $5k
Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.

Thanks
Just app for a GE card and call Credit Solutions.

OCCU is the definition of amateur hour. As much as I dislike CU's in general there are far better options: Andrews, DCU, SDFCU, Ft. Knox, NASA, Penfed to name a few.

I just poured through old threads. They really were handing out 20k limits to anyone who asked, huh? Oh well. It's not worth the headaches I guess. Oh what could have been!

I settled on DCU(membership pending) and NFCU. Saving NFCU because apparently they are pull crazy. Plus, DF just got a membership this week through her brother, so theoretically I qualify via household.

Thanks for saving me the potential headaches, lol..