Altra FCU

[Anonymous]

So I applied for membership with Altra and was approved no problem. While speaking to them on the phone they asked if is there is anything else they could help me with so I said well I would love a low interest rate cc. I was transfered to lending who looked at report that was just pulled only TU and is auto enhanced so myscore was much higher. After some talking with them and them speaking to underwriter they got me approved for a card with 3k limit. I got 10.9% iterest rate.They are running a promotion 8.9% for life on BT it ends Nov 30 so I transfered most of my balances to this card. The best card is 8.9%-8.9% which is pretty good from what I am told but you need tier 1 credit.....

[Anonymous]

rewards card is 11.9% interest rate with 6.9% BT for life tier 1 credit.... that is the best rate for transfers

[thirst305]

mind sharing what your FICO was?

[Anonymous]

Sure auto enhanded score was 670 TU they only use TU . I am discharged BK 7 in 07/13 and have tons of negatives all discharged. But they are smaller credit union like 88k members with a brand new credit card system they were awesome at getting it done for me....

[patrick00032001]

When I applied I thought they pulled TU 98 Classic, but when I got my letter from them, they acutally used TU 08 Auto, my was 776, the scoring range is 250-900 I believe?

[1GaDawg85]

How generous are they?  And any requirements to be a member?

[Anonymous]

I paid a $5.00 membership to something and was approved I had to send no info to be a member I passed all the questions they asked they pulled TU.... I waited till they messaged me with account info then I asked about if I could get info about applying for a credit card from the same TU pull. She said someone from lending will call me and 2 hours later they called I explained my situation and they could speak to underwriting and some pay stubs and a few hours later I was approved....

[1GaDawg85]

Was it HP or SP?

[Anonymous]

It was an HP for membership but they will if you ask use same pull for credit card and even car loan or refinance of car loan........

[1GaDawg85]

That ain't too bad then...DCU does the same