I am going to be in the garden for a while and will not be doing this anytime soon. My question is for anyone that has a credit card with a credit union. I have already been banking with them for a little over a year I have no late payments or baddies on CR and my current FICO is 646 EQ MyFico score. I do at this time have high UTIL and 17 INQ in last year so that is why I will wait even though I would love to BT some other TL,s onto the Visa being offered by CU.
Generally is it easier to get a card from a CU that you have been banking with for a while and have direct deposit with? Are they less strict than say Boa or Citi with someone in my situation? Thank you in advance. 