@Revelate wrote:Genuinely curious why the need for so many credit unions? Only so many financial needs to spread around and I know some of those on the list aren't exactly setting the world on fire and never have.
I do know big banks seemingly have tightened too, Chase refused to send me a replacement card recently (I really have no idea where I left my CSR, lost in the moves or something but at least it's an easy one to just claim as lost and haven't needed to swipe it in months with DoorDash and grubhub anyway) and was astonishingly slow at changing my mailing address on my checking account but oddly not on my credit cards.
We'll see but I will be glad when things go back to normal everywhere including the financial markets.
It's exactly that, the curiosity in how each one operates and a product they offer, I'm interested in. Some of them, it's for the high interest savings, checking accounts or money market accounts. For some it's their loans. Whether auto, personal or mortgage. Also with several banks, unless I'm a member. I can't get the credit products.
That's the main reason why I have so many.
I'd imagine raging Raja has near 50 banking and CU accounts to his name! lol
@Anonymous wrote:
@Gmood1 wrote:Dang, sorry to hear about the ordeal illegitimate father.
I guess we are both illegitimate to a couple of these credit unions!!😂
I've had several fraud department heads tell me that the fraud has skyrocketed lately.
What makes no sense, they allow the account to be opened and money to be deposited 😡.
Then decide to lock people out.
Lock me out before I deposit money in your bank or credit union.😆
I guess we are more closely related than I previously thought!😂
Hey son
I guess I'm not surprised to hear about the rampant fraud. But in this case Langley never even bothered to contact me. Oh well, its their loss.
Now I'm glad I didn't try AOD, with my run of bad luck with credit unions it would have been denied too...especially after they saw my selfie.
The big banks are happy to take my money though. I opened a Virtual Wallet account with PNC last month (ugh, but I'm working them for a credit product later) and a Saving account with Bank of America yesterday with absolutely no problems.
Your experiences of "nonexistence" makes me wonder if Scotty from the 'Star Ship Enterprise' "beamed" you up? 
@Anonymous wrote:
@Anonymous wrote:
@Gmood1 wrote:Dang, sorry to hear about the ordeal illegitimate father.
I guess we are both illegitimate to a couple of these credit unions!!😂
I've had several fraud department heads tell me that the fraud has skyrocketed lately.
What makes no sense, they allow the account to be opened and money to be deposited 😡.
Then decide to lock people out.
Lock me out before I deposit money in your bank or credit union.😆
I guess we are more closely related than I previously thought!😂
Hey son
I guess I'm not surprised to hear about the rampant fraud. But in this case Langley never even bothered to contact me. Oh well, its their loss.
Now I'm glad I didn't try AOD, with my run of bad luck with credit unions it would have been denied too...especially after they saw my selfie.
The big banks are happy to take my money though. I opened a Virtual Wallet account with PNC last month (ugh, but I'm working them for a credit product later) and a Saving account with Bank of America yesterday with absolutely no problems.
Your experiences of "nonexistence" makes me wonder if Scotty from the 'Star Ship Enterprise' "beamed" you up?
lol...but its puzzling for sure...its not like I'm hard to find.
@Anonymous wrote:
@Revelate wrote:Genuinely curious why the need for so many credit unions? Only so many financial needs to spread around and I know some of those on the list aren't exactly setting the world on fire and never have.
I do know big banks seemingly have tightened too, Chase refused to send me a replacement card recently (I really have no idea where I left my CSR, lost in the moves or something but at least it's an easy one to just claim as lost and haven't needed to swipe it in months with DoorDash and grubhub anyway) and was astonishingly slow at changing my mailing address on my checking account but oddly not on my credit cards.
We'll see but I will be glad when things go back to normal everywhere including the financial markets.
I'm a member of 7 credit unions. To some that would seem a lot but all CUs require membership before you can obtain credit products from them. Even then, I don't have credit cards from most of CUs that I have membership in:
Alliant - previously had an SSL and now Savings account only
Landmark CU - auto loan
University of Michigan CU - nostalgia ... savings & checking only. Their winged helmet and Block M logo debit cards are awesome looking.
United Nations FCU - I'm a former U.N. employee and more recently a consultant - Savings only.
In my experience alumni associations are always the quickest to update addresses. Although I haven't moved recently I bounced around quite a bit some years back and invariably the first pieces of mail at my new address would be from some alumni organization.
Not if you're a Buckeyes fan 
@Anonymous wrote:
@Anonymous wrote:
@Revelate wrote:Genuinely curious why the need for so many credit unions? Only so many financial needs to spread around and I know some of those on the list aren't exactly setting the world on fire and never have.
I do know big banks seemingly have tightened too, Chase refused to send me a replacement card recently (I really have no idea where I left my CSR, lost in the moves or something but at least it's an easy one to just claim as lost and haven't needed to swipe it in months with DoorDash and grubhub anyway) and was astonishingly slow at changing my mailing address on my checking account but oddly not on my credit cards.
We'll see but I will be glad when things go back to normal everywhere including the financial markets.
I'm a member of 7 credit unions. To some that would seem a lot but all CUs require membership before you can obtain credit products from them. Even then, I don't have credit cards from most of CUs that I have membership in:
Alliant - previously had an SSL and now Savings account only
Landmark CU - auto loan
University of Michigan CU - nostalgia ... savings & checking only. Their winged helmet and Block M logo debit cards are awesome looking.
United Nations FCU - I'm a former U.N. employee and more recently a consultant - Savings only.
In my experience alumni associations are always the quickest to update addresses. Although I haven't moved recently I bounced around quite a bit some years back and invariably the first pieces of mail at my new address would be from some alumni organization.
Not if you're a Buckeyes fan
You got me there... 
@Anonymous wrote:
@CreditCuriosity wrote:Not misising anything with Langley imho. Many other better CU's out there. They make no sense it is like they don't want some people. Alot of us can't get in for their lending problems despite high ficos, incomes, etc. Every CU has something they are searching for just like PenFed in which some people have issues with getting a card with Langley causes other issues including myself and many other "bigger" hititers. When one door closes another one opens. I closed my membership a few weeks back as despite 800+ scores couldnt get a credit product so what is the purpose of them having my money as they were the only one that benefited..
@CreditCuriosity I didn't realize other people had problems with Langley... all I see are the positive reports.
No positive experience here. They HP me for membership, yet I never got a notification that they did. The CSR calls me and says since you have the HP you might as well try for a CC. I asked her if she was sure about the HP, and she said yes. Tried for one of their CCs, then I get the notification of a HP, and of course I got declined. I would have never of apped since I just apped for PenFed the day before, but I didn't want to waste a HP, which I doubt I ever had before I apped. 😡
