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PSECU card data points (ISO)

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Frequent Contributor

PSECU card data points (ISO)

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!! Smiley Happy

RE-BUILD 2.0
Starting score 501-4/2019
Current Score eq 605 tu 613 ex 579 vantage 4.0 620
Amazon Store Card-Wayfair-William Sonoma-Boscovs-Mission Lane-Indigo-
carmax 9693k
3 navient student loans
4 collection with pra
1 col with midland
3 medical collections
1 loan collections with alliant cap mngmt. 1 with unknown CA
Message 1 of 11
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Established Contributor

Re: PSECU card data points (ISO)

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.

 




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
9-16-2020 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG | AMEX Biz Gold NPSL
Message 2 of 11
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Frequent Contributor

Re: PSECU card data points (ISO)

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

RE-BUILD 2.0
Starting score 501-4/2019
Current Score eq 605 tu 613 ex 579 vantage 4.0 620
Amazon Store Card-Wayfair-William Sonoma-Boscovs-Mission Lane-Indigo-
carmax 9693k
3 navient student loans
4 collection with pra
1 col with midland
3 medical collections
1 loan collections with alliant cap mngmt. 1 with unknown CA
Message 3 of 11
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Established Contributor

Re: PSECU card data points (ISO)

Message 4 of 11
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Frequent Contributor

Re: PSECU card data points (ISO)

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

RE-BUILD 2.0
Starting score 501-4/2019
Current Score eq 605 tu 613 ex 579 vantage 4.0 620
Amazon Store Card-Wayfair-William Sonoma-Boscovs-Mission Lane-Indigo-
carmax 9693k
3 navient student loans
4 collection with pra
1 col with midland
3 medical collections
1 loan collections with alliant cap mngmt. 1 with unknown CA
Message 5 of 11
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Valued Contributor

Re: PSECU card data points (ISO)

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. 

012019 Fico8/Mortgage Score:
Current Fico8/Mortgage Score:
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Take the myFICO Fitness Challenge


Message 6 of 11
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Contributor

Re: PSECU card data points (ISO)

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 Image_1600274482.jpg

 

 

 

Message 7 of 11
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Valued Contributor

Re: PSECU card data points (ISO)

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? 

012019 Fico8/Mortgage Score:
Current Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 8 of 11
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Contributor

Re: PSECU card data points (ISO)

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

Message 9 of 11
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Valued Contributor

Re: PSECU card data points (ISO)


@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? 


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

Message 10 of 11
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