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Hi everyone,
I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:
PSECU
NASA
USAA
Penfed
USAA is not a credit union
DCU, they approved my for my first $5k limit CC. Highest limit before that was my Walmart at $1600.
@cowboyguy wrote:Hi everyone,
I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:
PSECU
NASA
USAA
Penfed
PSECU is closed to out of staters unless you have a family member who is a member.
USAA, as mentioned before is not a CU.
I'm a member at DCU and they offer generous starting limits. I was initially approved for $500 at Alliant, but that was increased to $15K after 6 months.
USAA is not a CU, but that just means that anyone can join. They are, however, very generous when it comes to approval rates and CLs.
@cowboyguy wrote:Hi everyone,
I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:
PSECU
NASA
USAA
Penfed
PenFed also have very strict underwriting requirements for many of their cards, so that might not match what you are looking for.
@KausticRage wrote:DCU, they approved my for my first $5k limit CC. Highest limit before that was my Walmart at $1600.
+1
DCU gave me $7500 right out of the gate so I am definitely a fan of them
@madmann26 wrote:
NFCU, if you can get in.
The OP said, in his OP:
I'm not qualified for NFCU so apart from that
Definitley Penfed. And if you are qualified, USAA, even though it's not a CU, per se. It also would be smart to forge a relationship with a small, local CU. Sometimes there's no substitute for walking in and meeting with the person handling your decisions.