topic Re: Altra FCU in Credit Cards

Altra FCU

Anonymous — Wed, 12 Nov 2014 12:23:53 GMT

So I applied for membership with Altra and was approved no problem. While speaking to them on the phone they asked if is there is anything else they could help me with so I said well I would love a low interest rate cc. I was transfered to lending who looked at report that was just pulled only TU and is auto enhanced so myscore was much higher. After some talking with them and them speaking to underwriter they got me approved for a card with 3k limit. I got 10.9% iterest rate.They are running a promotion 8.9% for life on BT it ends Nov 30 so I transfered most of my balances to this card. The best card is 8.9%-8.9% which is pretty good from what I am told but you need tier 1 credit.....

Re: Altra FCU

Anonymous — Wed, 12 Nov 2014 12:35:28 GMT

rewards card is 11.9% interest rate with 6.9% BT for life tier 1 credit.... that is the best rate for transfers

Re: Altra FCU

thirst305 — Thu, 13 Nov 2014 07:18:48 GMT

mind sharing what your FICO was?

Re: Altra FCU

Anonymous — Thu, 13 Nov 2014 14:10:44 GMT

Sure auto enhanded score was 670 TU they only use TU . I am discharged BK 7 in 07/13 and have tons of negatives all discharged. But they are smaller credit union like 88k members with a brand new credit card system they were awesome at getting it done for me....

Re: Altra FCU

patrick00032001 — Thu, 13 Nov 2014 14:58:25 GMT

When I applied I thought they pulled TU 98 Classic, but when I got my letter from them, they acutally used TU 08 Auto, my was 776, the scoring range is 250-900 I believe?

Re: Altra FCU

1GaDawg85 — Thu, 13 Nov 2014 17:27:27 GMT

How generous are they? And any requirements to be a member?

Re: Altra FCU

Anonymous — Thu, 13 Nov 2014 17:32:40 GMT

I paid a $5.00 membership to something and was approved I had to send no info to be a member I passed all the questions they asked they pulled TU.... I waited till they messaged me with account info then I asked about if I could get info about applying for a credit card from the same TU pull. She said someone from lending will call me and 2 hours later they called I explained my situation and they could speak to underwriting and some pay stubs and a few hours later I was approved....

Re: Altra FCU

1GaDawg85 — Thu, 13 Nov 2014 19:29:58 GMT

Was it HP or SP?

Re: Altra FCU

Anonymous — Thu, 13 Nov 2014 20:15:17 GMT

It was an HP for membership but they will if you ask use same pull for credit card and even car loan or refinance of car loan........

Re: Altra FCU

1GaDawg85 — Thu, 13 Nov 2014 20:31:17 GMT

That ain't too bad then...DCU does the same

Re: Altra FCU

Anonymous — Thu, 13 Nov 2014 20:40:06 GMT

I was denied CC from DCU and barely became a member but Altra helped me out I am working on refinance my cars right now with them I got those loans right after BK 7 so I can lower those payments

Re: Altra FCU

amdm2013 — Thu, 13 Nov 2014 22:36:14 GMT

Are they inquiry/new accounts sensitive? Thanks.

Re: Altra FCU

CreditCuriosity — Thu, 13 Nov 2014 22:43:10 GMT

Sounds like you made out pretty well! i might have to look into them if they use a TU autoenchanced for CC products? Kinda weird, but I will take it as my auto ehanced is pretty dang good

Re: Altra FCU

Anonymous — Fri, 14 Nov 2014 00:46:10 GMT

I have so many inquires and new accounts I got a bit carried away the last few months I wanted there card for BT I pushed my 24.99% into it. I was able to explain everything which was very awesome and they spoke to underwriter directly. Since BK I have no missed payments 2 car payments and I have like 13 CC. I am chaining myself in garden after getting this card.

Re: Altra FCU

Chad3304 — Sun, 16 Nov 2014 23:29:51 GMT

How do your TU score from here compare to the TU from the cu? I just applied for membership with them.