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Any experiences with SECU credit cards?

Ericguest
Regular Contributor

Any experiences with SECU credit cards?

I stumbled upon https://www.secumd.org/personal/credit-cards/visa-credit-cards.aspx

They have nice line up and even secured cards earn points. I've never heard of them and Fico search results didn't show anything about this credit union. 

10 REPLIES 10
Dumbee
Established Contributor

Re: Any experiences with SECU credit cards?

Message 2 of 11
SouthJamaica
Super Contributor

Re: Any experiences with SECU credit cards?


@Dumbee wrote:

There's multiple posts on SECU MD on MF. 

Good CU that allows multiple approvals per hard pull. UW is very lenient

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Found-A-New-Friend-in-Maryland/td-p/5980341 
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SECU-account-Rewards-Visa-PLOC-approved-40K-T... 
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/TY-UH-HUH-2-tradelines-1-pull-my-first-Visa-S... 


Do you recall which bureau they pull?


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 3 of 11
ocheosa
Valued Contributor

Re: Any experiences with SECU credit cards?



@SouthJamaica wrote:



Do you recall which bureau they pull?

 

 

EQ-5

[9/21] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 6, EX 8, TU 1. AAoA=5y, AoOA=34y, AoYA=9m.
Personal TCL: $296K. Affinity FCU: Cash Rewards VS, PLOC. AOD FCU VS. BB&T Bright. BBVA: ClearPoints (x2), Rewards VS. Cap One: QS MC, QS Visa, SavorOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cashRewards VS, Plat MC, Plat Visa, CLOC. SECU MD VS. WF Propel. Misc: Overstock, Target.

Business TCL: $24K. 2021-22 Project: Business Profile. AoYA=3m
AmEx: Amazon Prime, Lowe's. FNBO Evergreen. Staples LOC. Quill Net30. Uline. Office Depot.
Message 4 of 11
SouthJamaica
Super Contributor

Re: Any experiences with SECU credit cards?


@ocheosa wrote:


@SouthJamaica wrote:



Do you recall which bureau they pull?

 

 

EQ-5


Thanks.

 

Then my application will probably be denied, as I do not have a good score in that model Smiley Happy


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 5 of 11
ocheosa
Valued Contributor

Re: Any experiences with SECU credit cards?


@SouthJamaica wrote:

@ocheosa wrote:


@SouthJamaica wrote:



Do you recall which bureau they pull?

 

 

EQ-5


Thanks.

 

Then my application will probably be denied, as I do not have a good score in that model Smiley Happy


I think the lowest I've read about so far was 680ish maybe? Although pre-approved for the credit card, I actually had a hard time establishing membership since they were tougher on out of state apps at that time. If nothing else, why not take some time to set up your membership and get that out of the way and circle back around when you feel more comfortable for credit products? I was assured once you are in, processing loans is effortless. I did find it to be very easy. I only had to supply one paystub for my credit card. I inquired about the PLOC but was told to wait 6mos to a year for the PLOC as I'd opened a lot of accounts over the past 24months which was very true. I've actually been quite pleased with them since the initial membership debacle. 

[9/21] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 6, EX 8, TU 1. AAoA=5y, AoOA=34y, AoYA=9m.
Personal TCL: $296K. Affinity FCU: Cash Rewards VS, PLOC. AOD FCU VS. BB&T Bright. BBVA: ClearPoints (x2), Rewards VS. Cap One: QS MC, QS Visa, SavorOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cashRewards VS, Plat MC, Plat Visa, CLOC. SECU MD VS. WF Propel. Misc: Overstock, Target.

Business TCL: $24K. 2021-22 Project: Business Profile. AoYA=3m
AmEx: Amazon Prime, Lowe's. FNBO Evergreen. Staples LOC. Quill Net30. Uline. Office Depot.
Message 6 of 11
AverageJoesCredit
Mega Contributor

Re: Any experiences with SECU credit cards?


@ocheosa wrote:


@SouthJamaica wrote:



Do you recall which bureau they pull?

 

 

EQ-5


How many bureaus does Equifax have?Smiley Wink

Message 7 of 11
Dumbee
Established Contributor

Re: Any experiences with SECU credit cards?


@SouthJamaica wrote:

@ocheosa wrote:


@SouthJamaica wrote:



Do you recall which bureau they pull?

 

 

EQ-5


Thanks.

 

Then my application will probably be denied, as I do not have a good score in that model Smiley Happy


@SouthJamaica 

 

SECU told me 670+ EQ5 for approval

 

When I was 669 (literally 1 pt away), no soup. Once I shot my score over that, I got soup (plenty of it).

 

They seem to like lower DTI + clean profile, 670+ EQ5, don't care about new credit *that* much (They issued me 4 revolvers + 1 PL + 3 SSL in a span of few months)


Smiley Embarassed
Personal/40.15K Biz/23K POT/17K
Message 8 of 11
ocheosa
Valued Contributor

Re: Any experiences with SECU credit cards?


@AverageJoesCredit wrote:

@ocheosa wrote:


@SouthJamaica wrote:



Do you recall which bureau they pull?

 

 

EQ-5


How many bureaus does Equifax have?Smiley Wink


Too d**n many !!! We've learned numerical suffixes can make all the difference between glee and pain! Smiley Very Happy

[9/21] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 6, EX 8, TU 1. AAoA=5y, AoOA=34y, AoYA=9m.
Personal TCL: $296K. Affinity FCU: Cash Rewards VS, PLOC. AOD FCU VS. BB&T Bright. BBVA: ClearPoints (x2), Rewards VS. Cap One: QS MC, QS Visa, SavorOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cashRewards VS, Plat MC, Plat Visa, CLOC. SECU MD VS. WF Propel. Misc: Overstock, Target.

Business TCL: $24K. 2021-22 Project: Business Profile. AoYA=3m
AmEx: Amazon Prime, Lowe's. FNBO Evergreen. Staples LOC. Quill Net30. Uline. Office Depot.
Message 9 of 11
AverageJoesCredit
Mega Contributor

Re: Any experiences with SECU credit cards?


@ocheosa wrote:

@AverageJoesCredit wrote:

@ocheosa wrote:


@SouthJamaica wrote:



Do you recall which bureau they pull?

 

 

EQ-5


How many bureaus does Equifax have?Smiley Wink


Too d**n many !!! We've learned numerical suffixes can make all the difference between glee and pain! Smiley Very Happy


😆 

Message 10 of 11
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