My CU is my best friend right now. I went in today to sign the paperwork for my car refi which was approved yesterday. I was encouraged to apply for a CC because they already had my cr and wouldn't need to pull it again. I was approved for 5K at 10.99% with no balance transfer fee. 
Just to think I tried to get Orchard Bank to lower the 19.99% interest rate on my $700 cl last week and was told that was their best rate. Guess who's getting closed? 
Sidenote: Capital One did lower my interest a couple of weeks ago.
@Anonymous wrote:My CU is my best friend right now. I went in today to sign the paperwork for my car refi which was approved yesterday. I was encouraged to apply for a CC because they already had my cr and wouldn't need to pull it again. I was approved for 5K at 10.99% with no balance transfer fee.
Congrats!
I wouldn't close the Orchard unless/ until they're about to hit you with a fee again. Keep it going for a while. It'll stay on your reports after you close it that much longer (generally 10 years after closure.)
Nice! 5 grand and no hard pull for the card. Can't beat that!! Plus you're drivin' new wheels. You're having a very good week 
eta: okay, so no new wheels - just a nice refi on the old wheels. Still a very good week!
FREE MONEYS!!!!!!
(j/k)
congrats