No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Figured id post this in case anyone was interested in a CU not as hip as AOD. Probably my last approval until i can find another job lol so gotta enjoy this.
Apped about 2 weeks ago. This is a Credit Union based out of Tennessee and is open to everyone. Supposedly have a cc with a low apr of 6.49% which is why i tried for it. Special thanks to @Curious_George2 for mention of this CU in low apr thread
Pretty easy app, after filling in all info, membership was instantly approved, suprising me. Got a member number but couldnt sign in to online banking, was doing from mobile, so i waited a few days. Actually applied for a cc same time to maximize pull. Received 1 HP from Eq. Instantly aporoved $1500, wouldnt be me if it was $25k
Got an email on a Monday, had apped on a Sat i believed, as i sent a message i had trouble creating online account. Received a call on Tuesday, nice lady. Asked her about my cc that wasnt showing in my online profile, took rest of info to verify and said congrats AJ! Let me know my apr was 12.24% , $1500 limit. Not bad for a CU that knows me not a iota lol. Actually gave me more than PF did back in day
Card came today, pretty nice looking MC. So anyone looking for a nice MC to complete their collection or take aim at a lower apr, shoot for it.
Dps: EQ 733 29hps , yikes, Aaoa 3.1 years Aaya 1 month low income
Congrats on your approval!! Do you know if they pull chex for membership or just the equifax hard pull??
Whelp, there goes the flood gates.
Good win AJC!
Do they use Chexsystems?
Congratulations on your Orion FCU approval!
Congrats on the approval AJC!
What's your DTI like if you don't mind me asking?
Congrats AJC!! All the cool kids have Orion Federal Credit Union MCs!!😎
@AverageJoesCredit wrote:... apr was 12.24% , $1500 limit ...
Nice one, Joey -- Congrats! & thanks for the intel. Good stuff.
Congrats AJC! Thanks for the shout out.
After @fiddycal told us about AOD, I wondered what other gems might be hiding out there. I spent a ridiculous amount of time that weekend researching card offerings at about 150 purportedly non-geofenced credit unions. Nothing I found compares to AOD for rewards, but there are some good APRs advertised.
Orion FCU and Dow Chemical Employees CU (which I joined) were the two standouts I mentioned in that thread. There were a few others that seemed interesting:
@snickerpedia wrote:Congrats on your approval!! Do you know if they pull chex for membership or just the equifax hard pull??
Thanks, as i did not go for a checking, just a shared savings, not sure about Chex. Straight up Equifax pull though, i applied for membership first so believe hp is good for 30 days? I would have to ask that though.