smaller banks/CU

[baller4life]

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@Jlu wrote:

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@Creditrecipe wrote:

How conservative is penfed

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Let me put it this way.. If the bible belt formed a bank it would be called PenFed. Check my wallet in my sig below.. notice how there's a plethora of high limit prime cards? Notice how there is no PenFed? I even donated that $20 to join.. wasted. Unless you're a member of the military or have a FICO over 9000 dont bother.

DCU is solid.

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+1000

[Anonymous]

Alliant Credit Union is good.  If they are going to decline your application they will contact you and try to find a way to approve.  Pen Fed will find a way to decline.

[Creditrecipe]

I have heard that DCU will give out healthy credit lines if you have 3yrs aaoa. I have heard from someone a while back that if you create a savings account through certain credit unions they will do a SP and then you can apply for a credit card with only 1 HP. I am not sure what credit union he used. Has anyone heard of this? 

Also, Where can I find a list of bank that issue cards that are the non traditional banks? No chase, boa, amex etc..

[1GaDawg85]

DCU does give out nice CL's starting out 

[Hockeyplayrr]

I managed to get a penfed card with about a 740 score.  However I was declined 6 months prior with a slightly lesser score for pyramiding.  I think they felt bad that i reapplied 6 months later on the dot.

[wacdenney]

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@Jlu wrote:

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@Creditrecipe wrote:

How conservative is penfed

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DCU is solid.

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+1  No membership required to APPLY for DCU credit cards, but they will make approval contingent upon becoming a member.

[baller4life]

Penfed is like my Holy Grail. I'll join when Equifax is over 750 just to be on the safe side. Once joined and approved for a cc, I will know I have "arrived honey."

[1GaDawg85]

Guess my arrival has been delayed

[1GaDawg85]

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@Anonymous wrote:

Alliant Credit Union is good.  If they are going to decline your application they will contact you and try to find a way to approve.  Pen Fed will find a way to decline.

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How do you become a member?

[trumpet-205]

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@1GaDawg85 wrote:

How do you become a member?

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For Alliant CU make one time donation of $10 or more to Foster Care of Success.

For Penfed if you are not affiliated to military make one time donation of $15 or more to National Military Family Association or Voices for America's Troops.