How does one qualify for this CU? Is it SP for membership?
@darwin_wins wrote:How does one qualify for this CU? Is it SP for membership?
No geographical restrictions on membership eligibility, for this CU -- if I am remembering correctly, I officially joined it by creating a new savings and checking account, with the minimum amounts deposited, etc. After that, it was a breeze to app for their credit card. Sorry not 100% sure about SP or HP for specific membership purposes though. I do know that for credit score qualifications, they pull FICO Score 2 (not Score 8), using EX.
Negative Ghost Rider we need someone that actually is a Unify member and who has at least a savings/checking account and a credit or PLOC with them.
If I apply with them in 11 days and get approved for a CC I pinky swear promise I'll manage the long term thread on them.
We won't be as sexy or popular as your PenFed thread Ballerina, but what we'll lack in credit union sexiness we'll make up in sarcasm, wit, and charm baby.
If I apply with them in 11 days and get approved for a CC I pinky swear promise I'll manage the long term thread on them.
We won't be as sexy or popular as your PenFed thread Ballerina, but what we'll lack in credit union sexiness we'll make up in sarcasm, wit, and charm baby.
@Anonymous wrote:Any Unify members that have received credit limit increases on their credit cards know if you have to show paystubs/bank statements on every CLI or just upfront to get approved for the cards? Someone needs to start a long term Unify/Western thread showing all the approvals and CLI approvals like what Ballerina has done on PenFed. Unify is hidden credit union gem with those 4.99% credit card rates and two credit cards they offer go up to $50,000 credit limits!
IME, I believe so -- when I first apped and was given the Classic VISA, they asked for a scanned copy of my paystub (but not my bank statement tho I believe). They did the same when I later upgraded my Classic VISA to a Gold VISA.
ETA: sorry, not sure about if they need paystubs for every CLI or not
@Anonymous wrote:
WOW! This credit union makes ultra-conservative look like Evil Knieval! I have never heard of any bank/credit union ever ask for paystubs/bank statements on CLI requests.
I'm going to email them today hopefully about self-employed and 1099 employees to see if 1-2 months bank statements will suffice for income verification.
Sorry my fault, I may have accidentally misread the question on first glance, when I read it -- they asked for my paystubs when apping, and then later I was given a CLI at the same time when I upgraded to VISA Gold where I also had to provide a paystub, but I am not really sure if they necessarily need a paystub for every CLI though? Again my apologies, for the confusion on my part there when answering your earlier question.
Ok, then we need a sacrificial Unify lamb member to go ask for a CLI on a credit card to see if you have to prove income again with them.
Any takers?
Don't be shy, grab the Unify glory!
Any takers?
Don't be shy, grab the Unify glory!