Official Credit Unions Guide

[Anonymous]

@lhcole77

Credit unions in general, like to see much lower balances (20% or less - 10% or less ideal) when applying or asking for CLI's than traditional banks and be more lenient with people that have lower credit scores that have low UTI's.

[baller4life]

Util CL. UTI is not a very nice thing. 😂😂 UTIL is short for utilization.

That's what lhcole was referring to. Lol

[baller4life]

Leave it to you to post it. LOL. Ok, you can take it down now. We all know what it stands for. Thank you sir!

[Anonymous]

Topic Focus is always a nice thing.

Not sure how many people are just reading only, and may be offended at times due to the content, and choose NOT to participate.

Just saying

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@Anonymous wrote:

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[Anonymous]

I agree with and second keeping the thread on topic. This thread could get very long and it's more difficult for people to sift through information when we go off topic.

[baller4life]

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@Anonymous wrote:

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@baller4life wrote:
Yes I have looked at Consumers too. Especially when I was on the hunt for TU pullers. Do you know how conservative they are?

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They are not that conservative. When I applied for their credit card few months ago, I had too many new acounts and lots of inquiries, still they gave me 10K in credit with their lowest APR!!  

Their CSRs are super friendly and nice to work with!!

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maestro do you know if they fixed their new membership app verification process? I just read Ron1's thread from 2 years ago. And several people were denied membership due to some computer glitch.

[Anonymous]

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@baller4life wrote:

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@Anonymous wrote:

My list

PenFed: 20K each (Promise & Rewards), 10.5K PLOC

RBFCU : 10K Low Rate (7.95%) CC, 20K PLOC, 1.99% Auto Loan (Non TX resident, able to join though TX PTA)

Sitting on these until after I close on my house

Navy FCU: HP to join, checking/savings

Alliant FCU : SP to join, checking /savings

Unity : SP to join, checking/ savings

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Thx dasingleton! He was the first out of stater here to join RBFCU. So anyone interested, just join Texas PTA. Good CU for those with a W2 😂. Hidden ploc.

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Thanks Baller! Not sure how I forgot about the hidden PLOC! 😁😁

[Anonymous]

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@baller4life wrote:

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@Anonymous wrote:

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@baller4life wrote:
Yes I have looked at Consumers too. Especially when I was on the hunt for TU pullers. Do you know how conservative they are?

---

They are not that conservative. When I applied for their credit card few months ago, I had too many new acounts and lots of inquiries, still they gave me 10K in credit with their lowest APR!!  

Their CSRs are super friendly and nice to work with!!

---

maestro do you know if they fixed their new membership app verification process? I just read Ron1's thread from 2 years ago. And several people were denied membership due to some computer glitch.

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I joined during August 2015, and did not have any issues with the online application.  Once I applied online, next day some one from the membership service emailed me for proof of ID. Once I emailed  copy of DL, my savings and checking accounts were opened without any hassle.

[Anonymous]

I've been with SDFCU for about 2 years. I have checking, savings, secured CC, and a personal loan. They are inquiry and new account sensitive, I apped for unsecured CC, to many inquiries and new accounts. After denial within two weeks was offered preapproved personal loan. I said yes, figuring helps with FICO scores and a chance to prove I can handle credit. After first year of paying I may reapp for credit card. Until then, the secured Visa is my lowest rate card, tad over 7%, good if I need to carry a balance for a few months.  

[baller4life]

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@Anonymous wrote:

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@baller4life wrote:

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@Anonymous wrote:

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@baller4life wrote:
Yes I have looked at Consumers too. Especially when I was on the hunt for TU pullers. Do you know how conservative they are?

---

They are not that conservative. When I applied for their credit card few months ago, I had too many new acounts and lots of inquiries, still they gave me 10K in credit with their lowest APR!!  

Their CSRs are super friendly and nice to work with!!

---

maestro do you know if they fixed their new membership app verification process? I just read Ron1's thread from 2 years ago. And several people were denied membership due to some computer glitch.

---

I joined during August 2015, and did not have any issues with the online application.  Once I applied online, next day some one from the membership service emailed me for proof of ID. Once I emailed  copy of DL, my savings and checking accounts were opened without any hassle.

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Thanks maestro! Just didn't want to waste a hp if they were having issues. 😉