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PSECU Credit Card

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urluckypenny1
Established Member

PSECU Credit Card

Looking for some opinions on PSECU, I recently got a new car loan through them and wanted to maximize the hard inquiry. I was considering to maximize the hard pull by applying for one of there credit cards, being it was within the 30 days.

Anyone have any suggestions with there credit cards or acceptance.

Message 1 of 5
4 REPLIES 4
GatoradeZeroGuy
Valued Contributor

Re: PSECU Credit Card


@urluckypenny1 wrote:

Looking for some opinions on PSECU, I recently got a new car loan through them and wanted to maximize the hard inquiry. I was considering to maximize the hard pull by applying for one of there credit cards, being it was within the 30 days.

Anyone have any suggestions with there credit cards or acceptance.


looks like the 2% card requires a $500 monthly DD otherwise it's a 1.5% card

Starting FICO 8:

Current FICO 8:

1/6, 5/12, 12/24




Message 2 of 5
urluckypenny1
Established Member

Re: PSECU Credit Card

So you think this is a pass then? I already have 2 cards from Penfed.

Message 3 of 5
FormerCollegeDJ
Frequent Contributor

Re: PSECU Credit Card

If you are already a PSECU savings/checking account holder and have direct deposit with them, the PSECU Founder's Visa is a very solid general rewards card (2% flat rate cash rewards, no annual fee, no foreign transaction fee).  At least once in the last two years they also offered a sign-up bonus ($300 SUB back in November/December 2021, which is when I got the card).

Playing the credit card rewards game since early May 2020.

Current credit cards:
American Express: Hilton Honors
Bank of America: Customized Cash Rewards Visa
Capital One: SavorOne MC
Chase: Amazon Visa, Freedom Unlimited Visa, Freedom Flex MC
Citi: Sears/ThankYou Rewards MC, My Best Buy Visa, Custom Cash MC
Comenity: AAA Travel Advantage Visa
Discover: Cash It
Elan: S&T Bank Max Cash Preferred Visa
FNBO: Amtrak Guest Rewards Platinum MC
PSECU: Founder's Visa
U.S. Bank: Cash+ Visa
Wells Fargo: Autograph Visa
Store cards: Kohl's

Next target credit cards: Wells Fargo Bilt Mastercard (probably), Truist Enjoy Travel Visa (maybe)
Message 4 of 5
mfinsmi1
Established Contributor

Re: PSECU Credit Card

@urluckypenny1 id recommend going for a credit card and LOC with that hard pull, they give out the bag

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 5 of 5
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