Question about OCCU

[Anonymous]

Hello all:

I know that this may be a sensitive subject for many of you.  Many of you may say that I might be dancing with the devil, lol...

I know OCCU closed a lot of accounts earlier this year, but prior to the meltdown, they were giving awesome limits.  Do any of you know if they still give decent limits post-meltdown?  Assuming you qualify of course (which I do).  

Looking to add 2 nice CUs to portfolio.  

[coldnmn]

If your in their area yes. I read not many if any get approved if not within their footprint area.

[Anonymous]

---

@coldnmn wrote:

If your in their area yes. I read not many if any get approved if not within their footprint area.

---

I don't live in the area, but I qualify via relative.  I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile.  I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.  

Thanks

[coldnmn]

---

@Anonymous wrote:

---

@coldnmn wrote:

If your in their area yes. I read not many if any get approved if not within their footprint area.

---

I don't live in the area, but I qualify via relative.  I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile.  I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.  

Thanks

---

I'm not sure about $20k though, that is huge for any credit card.

[tcbofade]

---

@Anonymous wrote:

---

@coldnmn wrote:

If your in their area yes. I read not many if any get approved if not within their footprint area.

---

I don't live in the area, but I qualify via relative.  I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile.  I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.  

Thanks

---

Yes, it would.

However, you post that you are already under 10% utilization, so dropping it further won't really help you in any measurable way.

I would pass on this idea unless there is more to the logic.  Opening new lines to lower util when you're already under 10% seems unnecessary to me.

JMHO.

[coldnmn]

---

@tcbofade wrote:

---

@Anonymous wrote:

---

@coldnmn wrote:

If your in their area yes. I read not many if any get approved if not within their footprint area.

---

I don't live in the area, but I qualify via relative.  I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile.  I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.  

Thanks

---

Yes, it would.

However, you post that you are already under 10% utilization, so dropping it further won't really help you in any measurable way.

I would pass on this idea unless there is more to the logic.  Opening new lines to lower util when you're already under 10% seems unnecessary to me.

JMHO.

---

+1

[Anonymous]

---

@tcbofade wrote:

---

@Anonymous wrote:

---

@coldnmn wrote:

If your in their area yes. I read not many if any get approved if not within their footprint area.

---

I don't live in the area, but I qualify via relative.  I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile.  I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.  

Thanks

---

Yes, it would.

However, you post that you are already under 10% utilization, so dropping it further won't really help you in any measurable way.

I would pass on this idea unless there is more to the logic.  Opening new lines to lower util when you're already under 10% seems unnecessary to me.

JMHO.

---

I hear ya.  I should add I am looking to buy a new car as well as am taking a vacation too.  Honestly, the only card I ever use is my Barclays.  And I PIF most times, if not I pay very close to it.  CSP is new, haven't broken it in yet.  I think getting with a generous credit union wouldn't hurt

Plus, Ron1 is my idol!

[tcbofade]

---

@Anonymous wrote:

---

@tcbofade wrote:

---

@Anonymous wrote:

---

@coldnmn wrote:

If your in their area yes. I read not many if any get approved if not within their footprint area.

---

I don't live in the area, but I qualify via relative.  I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile.  I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.  

Thanks

---

Yes, it would.

However, you post that you are already under 10% utilization, so dropping it further won't really help you in any measurable way.

I would pass on this idea unless there is more to the logic.  Opening new lines to lower util when you're already under 10% seems unnecessary to me.

JMHO.

---

I hear ya.  I should add I am looking to buy a new car as well as am taking a vacation too.  Honestly, the only card I ever use is my Barclays.  And I PIF most times, if not I pay very close to it.  CSP is new, haven't broken it in yet.  I think getting with a generous credit union wouldn't hurt

Plus, Ron1 is my idol!

---

LOL!

Generous, yes...but a bit scizophrenic as well.

Ditto.

[B335is]

---

@Anonymous wrote:

---

@coldnmn wrote:

If your in their area yes. I read not many if any get approved if not within their footprint area.

---

I don't live in the area, but I qualify via relative.  I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile.  I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.  

Thanks

---

Just app for a GE card and call Credit Solutions.

OCCU is the definition of amateur hour.  As much as I dislike CU's in general there are far better options:  Andrews, DCU, SDFCU, Ft. Knox, NASA, Penfed to name a few.

[Anonymous]

---

@B335is wrote:

---

@Anonymous wrote:

---

@coldnmn wrote:

If your in their area yes. I read not many if any get approved if not within their footprint area.

---

I don't live in the area, but I qualify via relative.  I was just hoping that if I get in, I could get those big approvals.

I haven't figured out how to include picture of my cards in my siggy, so I will just give an idea of my profile.  I will figure the rest later.

CSP $14k

BoA Rewards $18k

Citi/ Sears $11k

Barclays $5k

Comenity FR $6k

AAoA 5 years and change, 750 ficos across, < 10% utilization.

Getting two $20k cards would be awesome for my utilization.  

Thanks

---

Just app for a GE card and call Credit Solutions.

OCCU is the definition of amateur hour.  As much as I dislike CU's in general there are far better options:  Andrews, DCU, SDFCU, Ft. Knox, NASA, Penfed to name a few.

---

I just poured through old threads.  They really were handing out 20k limits to anyone who asked, huh? Oh well.  It's not worth the headaches I guess.  Oh what could have been!

I settled on DCU(membership pending) and NFCU.  Saving NFCU because apparently they are pull crazy.  Plus, DF just got a membership this week through her brother, so theoretically I qualify via household.  

Thanks for saving me the potential headaches, lol..