My question is, what are the chances of CC approval w/ our CU. I know they're a little more linient (sp?) than other CC companies. We currently have a $500 loan with our CU, it's based on direct deposit not credit, basically if you get direct deposit and you have been at your job for 6 consecutive months they'll give you the loan. We have 6 months to pay it back it will probably be paid quicker than that (only $15 in interest thought that was awesome and really helped with the $430 unexpected car problem we had to fix). After paying that I was thinking about having my husband app for their platinum visa CC. He was approved for cap 1 secured w/ $99 deposit, $200 CL, Fingerhut fresh start $230 limit which has been completed and we're now waiting on the start of the revolving FH acct which i've been told takes one billing cycle to kick in. He has a collection we're paying this week and they've agreed to delete, and a collection aging off his report next month, which will only leave a repo on his CR from 2008 (we cant afford to pay it). Do CU just run your credit like other CC companies and just say yes or no? Or will they actually take the time to discuss your CR with you and possibly approve you for a small limit where other companies wouldnt even give you the time of day? Thanks in advance for any help! (his EQ fico is 584, down from 612 when his old FP card reported $0 and closed 
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