@MisterWives wrote:Also how do these foundations benefit from the CC do you donate your rewards you accumlate to them or something
I'm not sure of others, but with the WWF card, BoA donates $3 every year after your card renews and also .08% of all net purchases.
@MisterWives wrote:I ended up applying for that Penn State PSECU credit card and it says it's under review. I though PSECU was some kind of credit union only for PA State employees didn't realize the common folk could apply for their stuff.
It is a CU for PA State employees but I have not looked at other avenues to obtain membership. I thought I read somewhere on the credit card page that an application for membership to the CU would be included with the credit card application, but I can't find it right now. You'd have to be a member to collect the $150 SUB, so hopefully you'd gain membership with your credit card application. You also would only get 1.5% cashback instead of 2% if you don't link with direct deposit to the CU.
Not to go too far off topic, but I'm waiting for a targeted offer to get a BoA checking account with a SUB. It'd drop my PSECU CC down to a 1.5% card, but if I want 2% again, I could get a Citi DC since I don't have a MasterCard in my wallet.
@TSlop wrote:
@MisterWives wrote:I ended up applying for that Penn State PSECU credit card and it says it's under review. I though PSECU was some kind of credit union only for PA State employees didn't realize the common folk could apply for their stuff.
It is a CU for PA State employees but I have not looked at other avenues to obtain membership. I thought I read somewhere on the credit card page that an application for membership to the CU would be included with the credit card application, but I can't find it right now.
I have a PSECU checking account, and I live in CA and am definitely not a PA state employee, and don't even know anyone who lives there. The only reason I opened the account was because they were the only place to get an Experian FICO8 score from, back in the day. Experian used to be VERY restrictive about who they'd give access to FICOs. Even MyFICO couldn't get them. This was around 10 years ago, times have changed since then.
Anyways, the way I got my PSECU membership was that they allowed members of some silly parks & recreation association to join PSECU. To become a member of the parks & rec association, all you had to do was fill out a quick form and pay $5, then they gave you a member number and you used that to apply for PSECU.
That was over 10 years ago, so I'm sure things are a little different now, but it's always worth looking into creative ways to get in with a non-public Credit Union.
Total Loan Balance: $43k / $65k
Total SL: $78k
I'm pretty biased because Discover was my first credit card, but I would say they are very good because overall they seem pretty friendly in approving for new cards and higher CLI. To the point I am pretty sure since Discover is the one to give me the highest SL my other cards I get follow behind them in determining how much of a credit limit they will give me when I ask for CLI. I feel thats the only reason some cards have given me a similar high SL is because Discover did it already.
Also their match back program where they literally match your rewards for the year is really good and probably made me spend more than I should have since knowing you basically get a duplicate full reward at the end is pretty fun. Not sure if you got the cash rewards one with the different range of % rewards or the staight 5% reward, but either one would be a good idea especially the 5% since you basically get 10% rewards when doubled only problem is that it keeps switching categories.
