BCU (Baxter) Still good?

[Anonymous]

After their shut downs and accidental CLD's are they still good ? are people still reccommending them?

[SouthJamaica]

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@Anonymous wrote:

After their shut downs and accidental CLD's are they still good ? are people still reccommending them?

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I don't know about other folks but my experience with them was negative.

https://ficoforums.myfico.com/t5/Personal-Finance/Negative-experience-with-BCU/m-p/6762746

[titancylinder]

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@Anonymous wrote:

After their shut downs and accidental CLD's are they still good ? are people still reccommending them?

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They've been nice to me and I haven't had any issues utilizing my credit card or line of credit. But I didn't ask them for huge lines/limits either. Every time I've had to speak to their customer service, it's been pleasant. 

[Guyatthebeach]

After having my Visa and LOC closed by BCU and then reopened them after I complained about it, I no longer recommend BCU as a CU to join. Even though, I am using this as a back up account and basically joined because BCU was a FOTM credit union.  To be honest, you can find better credit card rates, loan rates, and deposit rates elsewhere.

Guyatthebeach

[Financially_Disciplined]

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@Anonymous wrote:

After their shut downs and accidental CLD's are they still good ? are people still reccommending them?

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The only issue I had was that they initially restricted zelle so I couldn't use it.  I called in and the CSR had the restriction lifted, apparently they do this to all new accounts.  Otherwise my experience has been good.

I am currently paying off a 0% balance transfer, after the 7th payment, I received a statement with $0.00 minimum due.  

"TO HELP YOU WITH YOUR VACATION NEEDS, NO PAYMENT IS NECESSARY THIS MONTH. YOU JUST DON'T PAY IT."

I called to see if this was generated by mistake but the CSR confirmed that it was correct.  She said some customers are given this payment holiday.  Needless to say I still made my regular payment, but it was nice to be recognized. 

[Jeffster1]

I'm conflicted. I've had BCU since June 2023...savings and credit card. They shut down my credit card when they did everyone else's. They reinstated my card right away and I have no complaints with the way they handled the reinstatement.

However, I do not trust them. While all credit can be a crap shoot at times, BCU's impetuous actions last year left a bad taste for me, and I'd prefer not to feel as if I have the sword of Damocles hanging over my head.

I'm leaning towards saying goodbye to BCU. Today may be the day.

[heyryan]

I've had good luck w/ them so far. Have checking, 2 savings, and just recently got a travel rewards card for the sub (and higher interest checking). also applied for a LOC since I'm under the 30 days on my CC pull and it was auto approved - all I have to do is call tomorrow to finalize the paperwork. People there seem friendly, OLB is easy to navigate, external transfers work fine. Nothing to complain about so far!