PMCU Preapproval - Any Experiences?

[gregorius]

Received a preapproved offer from Premier Member's Credit Union (PMCU) for a Platinum Rewards Visa via email and when logging into online banking (checking/MM) account last week. Does anyone have any experience with their preapprovals, approval process, or their credit products in general?

The card itself isn't anything special, and I'm not really sure it's worth picking up.

11.15% APR

15k CL (large, but not groundbreaking for me)

3% BT fee, 2.5% CA fee, 1% FTF

0% APR on purchases for 6 months, 0% APR on BT for 18 months

Possibly 1% cashback? Their site isn't very clear on it...it's via ScoreCard rewards

[Anonymous]

Yeah their cards aren't all that great (most of our CUs in CO just kinda suck in that regard) and ScoreCard rewards programs are usually pretty stingy. If you don't need it, I would pass.

[gregorius]

Yep, most of them are pretty underwhelming - you picked up the one little gem from Ent. For the right person Blue FCU's rewards MC might be ok, but man that's a lot of hoops to jump through.

Probably gonna pass on this one unless someone has really good things to say about it.