My Library of Congress FCU Visa doesn't report to EX

[jaxstraw]

I actually see this as a positive to a point.
It's like carry a hidden tradeline on one CRA.
Was wondering if anyone else has a CC that does something similar ?
( On a sidenote my PL with LoC FCU only reports to EQ.....the CC is both EQ and TU )

[pizza1]

How long have you had the card? Its possible EX is lagging behind? Heck, my USAA card took 3 months to show up there.

[Aim_High]

Interesting ... Every day on this forum I read about a new lender and a new card I had never heard of before!

I had no idea Library of Congress had a FCU!  

And interesting that it isn't reporting ...

Looks like a pretty good low-rate card (9.75% purchase; 8.75% balance transfers with no BT fee!)

Have you enjoyed it?

[jaxstraw]

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@pizza1 wrote:
How long have you had the card? Its possible EX is lagging behind? Heck, my USAA card took 3 months to show up there.

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I've had it since April ...as well as the PL.

So 5 months.

I'm actually calling tomorrow to refi my new van with them and am planning on asking if they report to EX at all.

Van story is interesting.

I bought a new van three weeks ago....at the same time I was looking to refi my pickup. ( neither is with LoC)

LoC FCU told me they wouldn't refi pickup since it is before 2012.

For kicks I asked her what their rate would be for the van I just bought a few days earlier.

She came back with 2.85%.......and I just bought at 3.99

She told me she would hold the date for a month with same pull and to contact her as soon as I was ready.

So tomorrow I am pulling the trigger on that.....and I wonder if it will report to EX at all when I refi.

[jaxstraw]

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@Aim_High wrote:

Interesting ... Every day on this forum I read about a new lender and a new card I had never heard of before!

I had no idea Library of Congress had a FCU!  

And interesting that it isn't reporting ...

Looks like a pretty good low-rate card (9.75% purchase; 8.75% balance transfers with no BT fee!)

Have you enjoyed it?

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Actually one of my faves.....great little CU.

So far the CS has been outstanding.

Plus i love the look of the card.

I joined a library association for membership.....it is a local VA ilibrary but the membership is done online they didn't care if I lived in the area.......and from there joined the CU.

Kind of backdoor but it got me in.

[MrCreditInternational]

Deserve doesn't report to EQ and HSBC doesn't report to TU. Both are super annoying

[Aim_High]

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@MrCreditInternational wrote:
Deserve doesn't report to EQ ...

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Lol ... SEE!!!  There's another one!!  (I hadn't heard of before ... ) 

For a $500 CL, if they are a PITA, I would just dump them ...

You have plenty of other credit lines.  Sometimes, they just aren't worth fooling with.

"Sponsoring Universities Nationwide"

"Helping students gain access to credit on 2500 campuses and counting."

PO Box 1286
Menlo Park, CA 94026-1286
1.800.418.2362
hello@deserve.com

 

[SouthJamaica]

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@jaxstraw wrote:

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@Aim_High wrote:

Interesting ... Every day on this forum I read about a new lender and a new card I had never heard of before!

I had no idea Library of Congress had a FCU!  

And interesting that it isn't reporting ...

Looks like a pretty good low-rate card (9.75% purchase; 8.75% balance transfers with no BT fee!)

Have you enjoyed it?

---

Actually one of my faves.....great little CU.

So far the CS has been outstanding.

Plus i love the look of the card.

I joined a library association for membership.....it is a local VA ilibrary but the membership is done online they didn't care if I lived in the area.......and from there joined the CU.

Kind of backdoor but it got me in.

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I don't see anything on their website about being eligible to join if you're a member of any association.

[Aim_High]

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@SouthJamaica wrote:

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I don't see anything on their website about being eligible to join if you're a member of any association.

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He said it was backdoor through a veteran's library association.  I didn't see that but I did find three library support associations you could join as a member for $15 annual dues.  And the CU website says once a member, always a member.  I noticed a link on the Delaware Library Association that mentions you are eligible for membership in LCFCU.

   The Association of Rural and Small Libraries

          https://arsl.info/

   Mount Pleasant Library Friends in Washington, D.C.

         https://www.dclibraryfriends.org/MtPleasant-Friends

   Delaware Library Association

        https://dla.lib.de.us/membership/

[jaxstraw]

It was the Virginia Library Association.
I did it online at night and use an ACH payment.
There was a question about what district or zone I was in and I just checked any box. I believe the intent is for it to be for folks who live in Virginia but as long as it processed it didn't matter.
The way I see it the membership fee helps a great organization and as a bonus now I'm a member.
It processed the payment and the next day I got an email with my membership info.
From there I went online and joined the CU.