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Anyone have Data points for Premier America CU??

Senior Contributor

Re: Anyone have Data points for Premier America CU??

I thought the PACU was fixed rate, not variable?

EQ 730, TU 730, EX 720. INQs EQ-1, TU-9, EX-7 AAOA 4yrs Util 6% Inspiration: Themanwhocan's Cash Back Charts
Message 21 of 30
Established Contributor

Re: Anyone have Data points for Premier America CU??


AverageJoesCredit wrote:
+1 Dad, Galahad15 will save the day. If we say his name 3 times in a row he will come. So shall it beSmiley Wink

Like Candyman lol.

FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)
Message 22 of 30
Valued Contributor

Re: Anyone have Data points for Premier America CU??

Correct, according to their website link below, the PACU card has a fixed, not variable, APR.  Also the interest rate did not rise for me on my statements during the last 1-2 Fed rate hikes.

 

https://www.premieramerica.com/loans/credit-cards

 

 

Message 23 of 30
Highlighted
Visitor

Re: Anyone have Data points for Premier America CU??

Yes, existing accounts don't change when rates rise - they are fixed.

Message 24 of 30
Valued Member

Re: Anyone have Data points for Premier America CU??

Any word on their receptiveness with a 4yr old bk showing?

Message 25 of 30
Visitor

Re: Anyone have Data points for Premier America CU??

The BK itself can't be considered in a lending decision, by law. However, the lender can consider delinquencies before and after of the BK. If you have reestablished credit, and your score has recovered, generally Premier America will take that into consideration in making a decision.
Message 26 of 30
Established Contributor

Re: Anyone have Data points for Premier America CU??

I have 850 fico TU and EX, my question is do they ask proof of income, tax return W2 etc when apply their credit products?
EX817:1[21] TU850:0 EQ(Fico8BC)879:0
Message 27 of 30
Visitor

Re: Anyone have Data points for Premier America CU??

It depends on score (Experian is used), depth and length of credit and line size. If the credit is strong enough in relation to line request, they often waive proof of income.
Message 28 of 30
Valued Member

Re: Anyone have Data points for Premier America CU??

Is Ex used to join CU or only for CC application?

Message 29 of 30
Visitor

Re: Anyone have Data points for Premier America CU??

Experian report used only for credit card application.

Message 30 of 30