Re: HELP Need GOOD Credit union or Credit card

Anonymous · ‎01-30-2018

I need a good credit union in need a signature loan or decent limit credit card. I'm in Houston Texas. Looking for places with easy approval.
I'm already in penfed

I thought about nasa but have been hearing they want w2 for a credit card smh

Not Rbfcu they are the worst Cu !!!

Gmood1 · ‎01-30-2018

Folks are having good fortune with https://vantagewest.org . They pull EX for CCs. To join is a Chex system pull like most financial institutions. You'll have to join a cycle club if not in that area. That's easy to do as well.
Many more out there I could name.

Anonymous · ‎01-30-2018

I currently have an Alliant Credit Union platinum VISA that is very easy to get! I applied for it and got a SL of $1000, then a month later requested an increase and got approved for $5000! They offer great rates and have minimal fees! Let me know if you have more questions about them.

Anonymous · ‎01-30-2018

There is always Navy Fed (

680 Meyerland Plaza Mall Suite 1

Houston, TX 77096 ) good luck

Anonymous · ‎01-30-2018

Gmood1 thanks I've never heard of them but it looks good. I'm still trying to figure how to sign up.
Do I just fill out Arizona biking association ?
Does there signature loans get approved a lot and do you know the the SL on the credit cards?

Any other Good Cu you know?
Thanks for the knowledge.
I'm trying to narrow 1 down and apply tomorrow.

I'm in Houston Texas , we don't have good credit unions that give out good limits or loans.

And thank you to every one else that replied , navy is not open enrollment.
Alliant is conservative there SL are low.

Gmood1 · ‎01-30-2018

Yes you have to join the bicycle club. CC limits go to $20,000. You request the limit you want. I've no experience with their loans. There's a member here http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/826209. He knows them well and lives in the area.
I joined within a day. You'll be prompt to upload the membership document that's emailed to you. Including ID and possibly another form of ID.

Andrews FCU has open enrollment.https://www.andrewsfcu.org/personal/loans-and-credit/credit-cards.html
Join American Consumer council for free using promo code CONSUMER.
https://www.americanconsumercouncil.org/membership.asp?dname=Americanconsumercouncil.org
Soft pull to join them as well. They have some fantastic CCs! They're also on my want list. I have to let my new accounts age before apping for a card. I'm already a member.
Your scores and current profile will determine what any of them will qualify you for.
Bethpage is another that doesn't require you to join any foundation.
I talk to a loan officer in order to get an idea of what scores for tier 1 rates. He told me a 730. I believe they pull EX.
Here's an older list of CUs you can join becoming a member of the American Consumer council http://ficoforums.myfico.com/t5/Credit-Cards/American-Consumer-Council-Membership-Affiliated-Credit-...

Anonymous · ‎02-01-2018

Beware of vantage west
I just lost $25 signed up for the bike club and put $5 in share account then got a email of adverse action called in and they couldn't give me a answer why I wasn't approved.

I personally think it's about location im in Houston. But ppl don't waste your time or money.

Anybody has a credit union that recently gave them a high limit card or loan?

Anonymous · ‎02-02-2018

Wow surprised you are so anti-RBFCU, but suppose there is a story. They have been amazing to us. Gave me my highest limit of 25k at their lowest rate. Their cards work like a PLOC, you can take the full amount of CL out in cash as a deposit into your checking. Cash advance is same rate as standard purchase. Good luck finding what you need!

Anonymous · ‎02-02-2018

Not sure what you mean by signature loan. Is that just a personal loan? What's your file like? Verifiable income? These are undoubtedly factors that should help everyone make recommendations on your behalf. A CU might not even be the best place for this loan, depending on your file.