PSECU card data points (ISO)

[ThetoriParadox]

I was wondering if anyone has any DP on score, baddies, length of relationship with PSCEU, etc for CC approvals? I just joined and can not find any info!!

[spiritcraft1]

They also have a secured card.  Paper app. and you call to have them send it.  Last year they told me that it was no hard pull.  

I think it is a relationship builder.  They pull EX 2 normally.

[ThetoriParadox]

Awesome! I will have to call and ask about that!

[Dumbee]

Rebuilder DP:https://ficoforums.myfico.com/t5/Credit-Card-Approvals/WOW-credit-rebuild-results-in-a-awesome-PSECU... 

ymmv

[ThetoriParadox]

Thanks @Dumbee I saw that one earlier! Crazy there is such limited info about any of their products.

[newmomnewme]

I joined in 2016 and applied for their credit card and personal loan immediately.  I refinanced my auto loan with them a few months later. EX was 660. They look at score, DTI and income. 

I don't have knowledge about the secured card. But I do know that they have great rates and awesome customer care. 

[byronsru23]

I just appd and got approved for their Founders card...with a 30k limit. I was surprised. That's by far my highest SL. 

They have a 5 year exclusion if you filed BK. (Mine just hit the 5yr mark). I waited a long time to app for this.

DP:

Pulled Experian 745 (per. Psecu app)

Banked with them for 7 years

Bk7 discharged 9-9-2015, no derogs or late payments since

2 inquiries in last 2 years

All balances paid in full each month on cards

[newmomnewme]

Nice hit @byronsru23 !!  I have the classic visa (15k CL since 2016) and requested an increase and they approved $5k. Do you know if the 30k Max is only for the founders card? Do you know if they rather give more than one card? 

[byronsru23]

That I'm not sure of. They must like my profile I guess.

[UH_HUH]

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@newmomnewme wrote:

Nice hit @byronsru23 !!  I have the classic visa (15k CL since 2016) and requested an increase and they approved $5k. Do you know if the 30k Max is only for the founders card? Do you know if they rather give more than one card? 

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I joined PSECU about 3 years ago. Apped for

credit and they offered 30K.

 I could put it on The Founders card 

or the Classic card. My choice. I split it

at 15K each. I believe 30K is the limit 

on credit cards with them. Wonderful CU

from my home state :-)

Hope this helps,

good luck whatever you decide to do,

Cheers