As an update to one or more of my previous threads, I received my first Western/Unify CU VISA card electronic statement today, and the statement listed that the go-interest rate is actually 12.5%, not the 8.5% figure cited by an earlier Unify CU rep I spoke to earlier over the phone (the previous rep had said that the go-to rate had been lowered as a result of a manual review that went in my favor). Over chat, a new rep today mentioned that the 8.5% rate was only during the intro promotional period, so I guess that means the earlier rep had had incorrect info at the time they had talked about the lower go-to rate. My signature line has been updated accordingly to reflect the latest rate info (I guess the saying that all good things come to an end is indeed true, lol), but the good news and silver lining is, not all is lost, b/c I was offered a substantial SP-based CLI! 
Keeping my fingers crossed that the CLI request goes through successfully...
so does this mean you're no longer gonna be our community promotional rep for them? lol 
@Anonymous wrote:
so does this mean you're no longer gonna be our community promotional rep for them? lol
Lol no worries, I still love Western/Unify FCU (Again I do not work for them, I just enjoy using their particular card products.) ETA: in the future I also still might be able to qualify for a lower go-to rate eventually, once I get my credit scores up higher, according to the CSR from today.
Update: apparently I received a CLI from $2k to $7k, so admittedly kinda happy about that atm Will update signature line again shortly...
i know you don't work there buddy i was just messing with you.
Another update/data point: after the CLI to $7k was approved, my Unify CU card was updated from VISA Classic to VISA Gold. VISA Gold apparently carries a lower go-to APR than VISA Classic, so my new go-to rate with the new card is actually now 11.5% F, rather than 12.5% F. Definitely no complaints out of me here lol, as I am more than happy to take a lower APR any day!
@Anonymous wrote:
I spoke with them because I'm interested in this card too. They said you need a 750 for the lowest rates, so I guess I'll garden a little more until I'm not so borderline.
Have you tried any BTs or cash advances? They told me you can use the card like a PLOC/overdraft line by transferring money, which would be a big plus for me.
I think you're 100% right on there, about the 750 for the very lowest rates -- earlier, I had asked them what kind of score would be needed to get a go-to APR of 9.99%, and they had replied that my score would have to be at least 740 or higher. Also think you're very smart to wait until your scores increase, since most but not all of the CSRs I've spoken with said that even if my scores go higher to the 740-750 range, I would still have to app for a new card to get the lower rate.
In response to your other question: yes I have just recently done a BT, which currently has a promo BT rate of 3.99% for 12 months. One of the things I like about them is that there are no BT or cash advance fees, for their Fixed-Rate VISA card (Variable-Rate card does have fees though apparently). Not sure about the PLOC/overdraft line for transfers feature that you had mentioned tho, but that sounds very interesting as well, thanks for pointing out the helpful info there!
