Was approved for a Members 1st FCU Low Rate Platinum Visa for $5000. No balance transfer fee, no cash advance fee, card.
I believe it was just a soft pull on TU.
Data points: high revolving utilization, 6/24 on new accounts, 4 TU HP's within 12 months, TU was around 700 at the time.
There are multiple credit unions named "Members First"; this one is based in Mechanicsburg PA.
Credit union open to all.*
* I see on their website that it says "If you want to become a member, your employer, organization, school or church needs to be affiliated with us as a Select Employer Group (SEG). If that is not the case, then you must be a relative of someone who is already a member. If you aren't sure, visit a branch or call us and we'll be happy to assist you." So either they changed their requirements during the past year, or I got in through something like the American Consumer Council or the Financial Fitness Association, something like that. Because I'm not local and I'm not employed by any of their employer groups.
Congratulations on your Member's 1st FCU Visa approval, @SouthJamaica! 
What was the APR on this card?
I was just wondering the other day how long it had been since you had added cards and didn't realize you were 6/24! What other cards have you added in the past 24 months?
@Aim_High wrote:Congratulations on your Member's 1st FCU Visa approval, @SouthJamaica!
What was the APR on this card?
I was just wondering the other day how long it had been since you had added cards and didn't realize you were 6/24! What other cards have you added in the past 24 months?
1. I don't know the APR yet. It's going to be on the high side for a non-rewards card, because my current credit scores are marginal, and my current revolving utilization is high, not to mention the high prevailing rates. It will be somewhere between 13.75% and 18%. A year ago the range would probably have been 7.75% to 12.75% or thereabouts.
2. The most recent cards I added were not-well-thought-out applications: they were two rewards cards, ignited by some enthusiastic posts in this forum (the culprit who inspired me to apply for them knows who he is, but shall remain nameless since his intentions were good). Since my personal spend is very light, I needed 2 more rewards cards like a hole in the head. I must admit though that one, the Comenity AAA Travel Advantage card, turned out to be a GREAT card. The other, the Citi Shop Your Way card, is already ensconced in my sock drawer. Without those two I would be at 4/24.
@SouthJamaica wrote:Was approved for a Members 1st FCU Low Rate Platinum Visa for $5000. No balance transfer fee, no cash advance fee, card.
I believe it was just a soft pull on TU.
Data points: high revolving utilization, 6/24 on new accounts, 4 TU HP's within 12 months, TU was around 700 at the time.
There are multiple credit unions named "Members First"; this one is based in Mechanicsburg PA.
Credit union open to all.
Congrats SJ on your Approval, I noticed it in your Siggy yesterday
@SouthJamaica wrote:
@Aim_High wrote:Congratulations on your Member's 1st FCU Visa approval, @SouthJamaica!
What was the APR on this card?
I was just wondering the other day how long it had been since you had added cards and didn't realize you were 6/24! What other cards have you added in the past 24 months?
1. I don't know the APR yet. It's going to be on the high side for a non-rewards card, because my current credit scores are marginal, and my current revolving utilization is high, not to mention the high prevailing rates. It will be somewhere between 13.75% and 18%. A year ago the range would probably have been 7.75% to 12.75% or thereabouts.
2. The most recent cards I added were not-well-thought-out applications: they were two rewards cards, ignited by some enthusiastic posts in this forum (the culprit who inspired me to apply for them knows who he is, but shall remain nameless since his intentions were good). Since my personal spend is very light, I needed 2 more rewards cards like a hole in the head. I must admit though that one, the Comenity AAA Travel Advantage card, turned out to be a GREAT card. The other, the Citi Shop Your Way card, is already ensconced in my sock drawer. Without those two I would be at 4/24.
I would blame @ptatohed 
@M_Smart007 wrote:
@SouthJamaica wrote:
@Aim_High wrote:Congratulations on your Member's 1st FCU Visa approval, @SouthJamaica!
What was the APR on this card?
I was just wondering the other day how long it had been since you had added cards and didn't realize you were 6/24! What other cards have you added in the past 24 months?
1. I don't know the APR yet. It's going to be on the high side for a non-rewards card, because my current credit scores are marginal, and my current revolving utilization is high, not to mention the high prevailing rates. It will be somewhere between 13.75% and 18%. A year ago the range would probably have been 7.75% to 12.75% or thereabouts.
2. The most recent cards I added were not-well-thought-out applications: they were two rewards cards, ignited by some enthusiastic posts in this forum (the culprit who inspired me to apply for them knows who he is, but shall remain nameless since his intentions were good). Since my personal spend is very light, I needed 2 more rewards cards like a hole in the head. I must admit though that one, the Comenity AAA Travel Advantage card, turned out to be a GREAT card. The other, the Citi Shop Your Way card, is already ensconced in my sock drawer. Without those two I would be at 4/24.
I would blame @ptatohed
I said he would remain nameless, since his intentions were good
@M_Smart007 wrote:
@SouthJamaica wrote:
@Aim_High wrote:Congratulations on your Member's 1st FCU Visa approval, @SouthJamaica!
What was the APR on this card?
I was just wondering the other day how long it had been since you had added cards and didn't realize you were 6/24! What other cards have you added in the past 24 months?
1. I don't know the APR yet. It's going to be on the high side for a non-rewards card, because my current credit scores are marginal, and my current revolving utilization is high, not to mention the high prevailing rates. It will be somewhere between 13.75% and 18%. A year ago the range would probably have been 7.75% to 12.75% or thereabouts.
2. The most recent cards I added were not-well-thought-out applications: they were two rewards cards, ignited by some enthusiastic posts in this forum (the culprit who inspired me to apply for them knows who he is, but shall remain nameless since his intentions were good). Since my personal spend is very light, I needed 2 more rewards cards like a hole in the head. I must admit though that one, the Comenity AAA Travel Advantage card, turned out to be a GREAT card. The other, the Citi Shop Your Way card, is already ensconced in my sock drawer. Without those two I would be at 4/24.
I would blame @ptatohed
Uh oh. :hide:
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