Multiple QS1?

[Anonymous]

@kaylava thanks for the tips! I'll keep my fingers crossed with Barclays

[Anonymous]

@creditdunce thanks for the feedback! I actually have 3 credit union checking accounts.. Patelco, Delta Community, and USAA haha. USAA offered me a secured AMEX but I don't want another secured card. Patelco is pretty tough- thats my main bank where all my direct depsoits go. I guess I could check with them but last time they were really unhelpful.. they didn't even want to give me a secured card. I'm switching my main bank to USAA- my parents financed my condo through them and I've been a member since 2011 so hopefully they'll be a little easier once my credit gets better. 

Penn State actually lets you pay 3 separate payments over the course of 3 months for your tuition which is super helpful but I'll keep looking for loans! Thanks for the info!

[CreditDunce]

Yes, credit unions can be hit or miss.   Finding one that is right for you can be a challenge. 

Are we both talking about Penn State federal credit union (not the school)?

https://www.pennstatefederal.com/loans/educationalLoans.php

https://www.pennstatefederal.com/products/creditDebitCards.php

https://www.pennstatefederal.com/pdf/membershippacket.pdf

I see they offer "3 repayment options".   I am sure they would give you more than 3 months to pay. 

Of course, for all I know, Penn State Federal credit union could be as difficult to work with as your local credit unions.

Edit: Be sure to check to see if you parents are eligible to join Navy FCU (if they are not already members).  Navy is one of the easier to work with FCU's.

[gdale6]

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@Anonymous wrote:

@Anonymous thanks for the tips! I'll keep my fingers crossed with Barclays

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Hi and welcome, I noticed you may not know how to quote a post so I thought I would direct you to a thread that will show you how to do it 

http://ficoforums.myfico.com/t5/Community-Feature-FAQ-s/How-to-Quote-a-Post/td-p/2603189

[Anonymous]

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@CreditDunce wrote:

Yes, credit unions can be hit or miss.   Finding one that is right for you can be a challenge. 

Are we both talking about Penn State federal credit union (not the school)?

https://www.pennstatefederal.com/loans/educationalLoans.php

https://www.pennstatefederal.com/products/creditDebitCards.php

https://www.pennstatefederal.com/pdf/membershippacket.pdf

I see they offer "3 repayment options".   I am sure they would give you more than 3 months to pay. 

Of course, for all I know, Penn State Federal credit union could be as difficult to work with as your local credit unions.

Edit: Be sure to check to see if you parents are eligible to join Navy FCU (if they are not already members).  Navy is one of the easier to work with FCU's.

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Thanks for the links- I'll look into those! I was talking about Penn State the school- I didn't even know they had a CU. I'll research it a bit and see what I come up with. I also looked in Navy FCU... I heard they're pretty easy to work with. Thanks for the feedback! Looks like I have some research to do

[Anonymous]

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@Anonymous wrote:

Thanks for checking! Do you think it'd be a better idea to apply for the Platinum over the Quicksilver1? I've been reading that the platinum sometimes gives higher limits.. I'm assming it's because the APR is like 25% ugh! Thanks for the feedback though!

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I had my Platinum for 4 yrs & got a 3k bump.  QS is old & I got a 1k bump.  

[Anonymous]

I'm having difficulty quoting as well. I just filled the link you posted, but not showing up. Must be cause I'm on my phone not a pc.