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Consumers Credit Union (IL) data points?

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Anonymous
Not applicable

Re: Consumers Credit Union (IL) data points?

that is known as stoozing! :-)  also, I'd say akin to buying stocks on margin with exponentially less risk!!!

Message 31 of 64
Anonymous
Not applicable

Re: Consumers Credit Union (IL) data points?

Nice thread heyryan with solid information. Thanks for starting it.

Message 32 of 64
heyryan
Frequent Contributor

Re: Consumers Credit Union (IL) data points?

Probably my last update unless something goes hinky with them in the future Smiley Happy

First full month just closed - $10+ in interest - not bad to start Smiley Happy  ATM fee was reimbursed w/ no issue when month closed, too.

 

I did chat with them online today and did a cash advance to my checking account for $2500. I'll earn ~$10/mo in interest on that and the interest is about $4.15, so $6 extra. Not much, but it's something Smiley Happy It showed up almost immediately on the card and in my account, so it was really an easy process. I could have done it in online banking, but I wanted to make sure the promo rate was applied.

 

Had a little hiccup with my credit card. I hadn't received it after almost 2 weeks, so I called in and it turned out that when they copied my address into the credit card system, they cut off part of my unit #. (I'm in a condo) Our mailman sucks, so I didn't get the card. They were really nice and canceled that one and expedited me a new one via FedEx for free. (After fixing the address Smiley Happy

 

Also, for external transfers, you have to meet the rewards requirements for 2 months in a row, not just 1 for them to be enabled. I'm not worried as I most everything through Alliant anyway, but it's good to know just in case.

 

For other CCU members:

Is it normal for the tracker on the website to COMPLETELY reset every month? For example, mine now says:
VISA: NO

E-Statements: NO

 

when both should be YES. They were correct yesterday, but changed today. Seemed odd - obviously the debit counter, CC spend, and DD/ACH reset like expected, but the others caught me off guard.

 

Other than that - still very happy with the choice to join!

Personal:
AmEx Gold NPSL

Business:

Credit Unions:

Banks:



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Message 33 of 64
heyryan
Frequent Contributor

Re: Consumers Credit Union (IL) data points?

I guess I lied in my last post - I have one more update to share!

 

Overall, I've been very happy with CCU, but I did have another minor issue with their Visa dept entering incorrect info. When I got the card, I emailed the person I was working with and she told me that my APR would be 12.24% (their lowest). I got my first statement today, and I had a 16.something% APR. When I called to ask why, the first rep said "Hmm, that's odd, I show it should be 12.49% (prime rate went up 1/4%), not 16. Let me get in touch with the Visa department." Well, when they called back, they'd assigned me the wrong APR, and it should have been the 12.49. I'm glad I checked ... I don't plan on leaving purchase balances on there, but it would've been an unpleasant surprise!

Personal:
AmEx Gold NPSL

Business:

Credit Unions:

Banks:



(TU Split File - FIXED!)

Message 34 of 64
Anonymous
Not applicable

Re: Consumers Credit Union (IL) data points?


@heyryan wrote:

Probably my last update unless something goes hinky with them in the future Smiley Happy


I see no lies - 4% higher-than-promised APR qualifies as hinky!  Smiley Wink

Message 35 of 64
heyryan
Frequent Contributor

Re: Consumers Credit Union (IL) data points?


@Anonymous wrote:

@heyryan wrote:

Probably my last update unless something goes hinky with them in the future Smiley Happy


I see no lies - 4% higher-than-promised APR qualifies as hinky!  Smiley Wink


Hahahah true! I did as well Smiley Happy

Personal:
AmEx Gold NPSL

Business:

Credit Unions:

Banks:



(TU Split File - FIXED!)

Message 36 of 64
Anonymous
Not applicable

Re: Consumers Credit Union (IL) data points?

So I joined in the fun as well.   For debits, I just reloaded my Amazon balance with 50c transactions (well, sometimes 51c for variety) twice a day for 6 days.   The slow updating of the counter was annoying, but now I know I will just count the transactions myself and "know" it will show 12 in time.   No issues so far, and I liked that they gave me interest for the last few days of Feb before my debit card had arrived.

Message 37 of 64
sillykitty1
Established Contributor

Re: Consumers Credit Union (IL) data points?


@Anonymous wrote:

So I joined in the fun as well.   For debits, I just reloaded my Amazon balance with 50c transactions (well, sometimes 51c for variety) twice a day for 6 days.   The slow updating of the counter was annoying, but now I know I will just count the transactions myself and "know" it will show 12 in time.   No issues so far, and I liked that they gave me interest for the last few days of Feb before my debit card had arrived.


Did that work?  I tried that when I joined a few years ago, and it didn't.  I'd be excited to know this is an options now

Message 38 of 64
heyryan
Frequent Contributor

Re: Consumers Credit Union (IL) data points?


@sillykitty1 wrote:

@Anonymous wrote:

So I joined in the fun as well.   For debits, I just reloaded my Amazon balance with 50c transactions (well, sometimes 51c for variety) twice a day for 6 days.   The slow updating of the counter was annoying, but now I know I will just count the transactions myself and "know" it will show 12 in time.   No issues so far, and I liked that they gave me interest for the last few days of Feb before my debit card had arrived.


Did that work?  I tried that when I joined a few years ago, and it didn't.  I'd be excited to know this is an options now


I do the same thing - varying between 0.49 and 0.69. Counter updates within a day or 2, and works great! Just make sure after you add your card in Amazon, you go edit it and uncheck the box that says to run as Debit. The icon should change from "DEBIT" to "VISA" - if you don't do that, the transactions won't count.

Personal:
AmEx Gold NPSL

Business:

Credit Unions:

Banks:



(TU Split File - FIXED!)

Message 39 of 64
sillykitty1
Established Contributor

Re: Consumers Credit Union (IL) data points?


@heyryan wrote:

@sillykitty1 wrote:

@Anonymous wrote:

So I joined in the fun as well.   For debits, I just reloaded my Amazon balance with 50c transactions (well, sometimes 51c for variety) twice a day for 6 days.   The slow updating of the counter was annoying, but now I know I will just count the transactions myself and "know" it will show 12 in time.   No issues so far, and I liked that they gave me interest for the last few days of Feb before my debit card had arrived.


Did that work?  I tried that when I joined a few years ago, and it didn't.  I'd be excited to know this is an options now


I do the same thing - varying between 0.49 and 0.69. Counter updates within a day or 2, and works great! Just make sure after you add your card in Amazon, you go edit it and uncheck the box that says to run as Debit. The icon should change from "DEBIT" to "VISA" - if you don't do that, the transactions won't count.


Ok ... definitely did not uncheck any boxes, thanks for the tip!

Message 40 of 64
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