Friend cannot get a pre-qual to save her life, BUT…

[Anonymous]

@flttire. Ohhhh! I thought you had to have a military affiliation for PenFed, but I forgot I had to make a donation to qualify for membership.

[bourgogne]

---

@Anonymous wrote:
Since she qualifies for membership at PenFed she would probably qualify for membership at Navy Federal. I am a member of both and PenFed refuses to give me a card whereas NFCU has given me 2 cards--one at $18,000 and a second at $13,900. You're a good friend.

---

she is non-mil and and i already changed my address once this year for someone to join so I am not going to do it again + her address situation is way too problematic, no mailbox at her physical and her license and bills all show a pob, nightmare.  again, her end game is chase everything.  she is a great person, happy to help

[BurgeoningHope]

Have you tried the Golden One CU? In Carpenteria she's not far from Santa Barbara, and I can tell you from personal experience of that branch they really do try to help wherever they can - and they'd be very familiar with all the various farms/ranches and their address issues in the area.

[bourgogne]

---

@BurgeoningHope wrote:

Have you tried the Golden One CU? In Carpenteria she's not far from Santa Barbara, and I can tell you from personal experience of that branch they really do try to help wherever they can - and they'd be very familiar with all the various farms/ranches and their address issues in the area.

---

never heard of them.  interesting little tidbit, thank you very much.  do you happen to know if its an hp to join or who they pull?  the cards will not win any beauty match but they are very functional;  3% cash-rebate on gas, grocery, and restaurant purchases, 1% cash rebate on all other purchases. Credit lines up to $30K, min line is $2K, good grief what is not to like..

[BurgeoningHope]

---

@bourgogne wrote:

---

@BurgeoningHope wrote:

Have you tried the Golden One CU? In Carpenteria she's not far from Santa Barbara, and I can tell you from personal experience of that branch they really do try to help wherever they can - and they'd be very familiar with all the various farms/ranches and their address issues in the area.

---

never heard of them.  interesting little tidbit, thank you very much.  do you happen to know if its an hp to join or who they pull?  the cards will not win any beauty match but they are very functional;  3% cash-rebate on gas, grocery, and restaurant purchases, 1% cash rebate on all other purchases. Credit lines up to $30K, min line is $2K, good grief what is not to like..

---

I'm afraid I don't know, because they don't offer their credit cards to non-California residents, and I no longer live in SB (nor California). SUPER disappointed, because the cards are solid, they had a good rebuild product that would have been great for me back then, and I've been a member for better than 20 years. Ah well.

They are the largest CU in California, and other than the card sadness I've had nothing but good to say about them. FWIW I'm still with them even though I've been hundreds of miles away for the past decade, and even though I now share a bank account with my husband. Always top notch US-based (in my experience - don't know if it's policy) customer service for those very rare occasions when needed. Like 3x in the last 20 years, including the card situation.

[bourgogne]

---

@BurgeoningHope wrote:

---

@bourgogne wrote:

---

@BurgeoningHope wrote:

Have you tried the Golden One CU? In Carpenteria she's not far from Santa Barbara, and I can tell you from personal experience of that branch they really do try to help wherever they can - and they'd be very familiar with all the various farms/ranches and their address issues in the area.

---

never heard of them.  interesting little tidbit, thank you very much.  do you happen to know if its an hp to join or who they pull?  the cards will not win any beauty match but they are very functional;  3% cash-rebate on gas, grocery, and restaurant purchases, 1% cash rebate on all other purchases. Credit lines up to $30K, min line is $2K, good grief what is not to like..

---

I'm afraid I don't know, because they don't offer their credit cards to non-California residents, and I no longer live in SB (nor California). SUPER disappointed, because the cards are solid, they had a good rebuild product that would have been great for me back then, and I've been a member for better than 20 years. Ah well.

They are the largest CU in California, and other than the card sadness I've had nothing but good to say about them. FWIW I'm still with them even though I've been hundreds of miles away for the past decade, and even though I now share a bank account with my husband. Always top notch US-based (in my experience - don't know if it's policy) customer service for those very rare occasions when needed. Like 3x in the last 20 years, including the card situation.

---

largest in ca huh, lol I feel like a moron for not knowing about them ha-ha.  its like cars or wines, one has to focus on ones interest.  anyhow thank you once again for this great info, they are on the top of the list if what I have in play for her does not work out.  I did a us bank app for her on 12/25 and its 1-2 days from completion and penfed just answered my ghost written letter to them from her saying what the heck, you can't give me a 500-1000 card?, sent them pics of the 2 $26K amex approvals she got, etc.  a lot of fluff but you never know what might work..I see they created a new promise app....she had to join penfed anyhow to get the refi and the usb app was a solid pre-qual as well and she has zero inq on tu, so she has some room to play.  getting credit when one has none is tough.  my motivation of closing that credit one she has is my guiding force lol.  happy new year when it comes!  many thanks again

[bourgogne]

just posting to close the loop.  penfed just came back with the 3rd card denial, this was for a promise again.  I am going to say this is a firm no at this point lol.  the us bank came back no as well, will recon it but I am not holding my breath.  the reality is she was flat out lucky to get 2 amex revolvers and she will have to build up some history and keep the credit one as a 3rd for now.  makes no sense to burn another inquiry at this point.  maybe in time she will get a cap1 prequal or something.  she did prequal for discover but would much perfer a visa or master at this point for her.  happy new year!

[BurgeoningHope]

My husband and I both found Cap 1 to be very helpful in our early rebuild efforts. To start, we did the SCT thing - but verrrrrrrry gently - just to get on the radar (he got one card; I two). Within weeks Cap 1 pre-quals came rolling in, along with Amex and Disco. So hopefully she'll hear from Cap 1soon.

I PC'd my Plat to a QS (NOT QS1) a few months after opening it - rewards! A few months of nursing that, and Bank of America and Chase came calling, more rewards.

To quote my favorite World of Warcraft faction's motto: "Patience. Discipline" Nice words to live by, even if they are from the Undead

Good luck to your friend in the New Year, and hope you both have a great one!

[bourgogne]

---

@BurgeoningHope wrote:

My husband and I both found Cap 1 to be very helpful in our early rebuild efforts. To start, we did the SCT thing - but verrrrrrrry gently - just to get on the radar (he got one card; I two). Within weeks Cap 1 pre-quals came rolling in, along with Amex and Disco. So hopefully she'll hear from Cap 1soon.

I PC'd my Plat to a QS (NOT QS1) a few months after opening it - rewards! A few months of nursing that, and Bank of America and Chase came calling, more rewards.

To quote my favorite World of Warcraft faction's motto: "Patience. Discipline" Nice words to live by, even if they are from the Undead

Good luck to your friend in the New Year, and hope you both have a great one!

---

she has $26K in new amex, usb got declined because of verification so maybe she can get past that tomorrow.  as stated she is pre-qual for discover but I want visa or master.  no other pre-quals at the moment.  she can wait, she has 3 cards in play so her scores should stay high.  take care, be safe

[CreditCuriosity]

Hopefully she can get past the verification issue reason that USB declined her for.