(The card that gives you MORE.
Earn CASH BACK on every purchase:
- 4% cash back on all gas purchases
- 3% cash back on all restaurant and travel
- 2% cash back on all grocery stores, superstores and wholesale clubs
- 1% cash back on all other purchases
I would also like to know more stats about it.
Lol, ive learned my lesson on CU's. Their nice to have but you gotta come correct , imo, best have a good income to make them work for you . Hope you find what you're looking for Dj.
There is actually a local CU where i live and was thinking about joining but their cc is blah at most. Reading up on how if you dont use it in awhile or try buying things they consider out of norm, how easy theyd shut it down. Fraud prevention i understand but figuring even if i got it, the rewards are blah so i wouldnt use it often so whats the point of getting it
There is actually a local CU where i live and was thinking about joining but their cc is blah at most. Reading up on how if you dont use it in awhile or try buying things they consider out of norm, how easy theyd shut it down. Fraud prevention i understand but figuring even if i got it, the rewards are blah so i wouldnt use it often so whats the point of getting it
The same in my necking the woods, the CU 's are blah at best. Some treat you like dirt and have starter credit cards for all.
I emailed these guys a while back asking about which bureau they pulled for membership, if they reused, etc, and this was their response:
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Good Morning,
Thank you for your interest in InFirst FCU. We do pull a credit report through Experian at the time of account opening. If you are applying for a loan at the same time of account opening, we will not pull another report.
Typically, credit reports are valid for 60 days but we can, at our discretion, pull a new report anytime there is a credit application submitted.
Please feel free to contact me if you have additional questions.
Sincerely,
Cathy Long
Member Service Manager
InFirst FCU
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The "at our discretion" caveat was interesting. I'm sure that's probably a very common case, but they're the first ones that have responded and actually been specific about that. The card's reward structure is interesting, but the only thing I don't like is that you appear to have to use the points for "stuff" from the CURewards website. Unfortunately, when you're browsing, they don't tell you how many points you need for anything, so it's hard to tell how bad they're inflating the prices.
Personally, I prefer more flexible points (MR, TY, UR), or cash back as rewards.
FYI
InFirst Federal Credit Union (formerly known as NARFE Premier FCU) has been open since 1935. The credit union has assets totaling $171.49 Million and provides banking services to more than 11,000 members. Based in Virginia.
From credit pulls database:
| NARFE Premier Federal Credit Union | Experian |  | 700 | $7,500 | Monroe | NC | 28110 | 2008-10-24 | One OC C/O $0 bal. Got what I asked for, Visa Rewards. Pay stub requested. App was like loan, didn't fill out references, not needed. Friendly FCU. Pulls EX upon joining and AGAIN for CC |
From their website:
Many active and all retired federal employees, Select Employee Groups (SEGs), along with anyone who lives, works, worships or attends school in King George, VA, and immediate family members of the prior mentioned (provided the individual is already a member) are eligible to join InFirst FCU.
If you are joining through your affiliation with NARFE or American Pharmaceutical Association (APhA), please indicate that you are a member of the applicable organization on the Eligibility line and include your association membership number.
Their credit card:
Visa Rewards Credit Card
can join FAPAC at a reduced rate of $10 using discount code INFIRST