Denied Membership at Redstone FCU

[Shooting-For-800]

I tried 3 times through Rural King for membership and credit card.

I will never try again.

[NoMoreE46]

Thanks for the reply  @CreditCobra  - was asking for DP purposes.

[NoMoreE46]

My quick math says that I would earn ~ $250 more annually on dining, fuel and utilities IF I got this card.  

Normally I would try for this but my personal goal of getting under 2/24 is currently preventing me to app.

I do live in northern FL so I would like to think my app would be under less scrutiny than those from non- border states for this Alabama bank. 

[CreditCobra]

As I said, I hope others have better luck. I never even got close to this card, I was just trying to gain membership to the CU first. I've never experienced anything like this before. Typically, it's a DocuSign or two and some email back and fourth, maybe a phone call. But multiple video call, and then having to produce the same documentation again and again each video call. That's a whole new level of hassle. Too many red flags for me. I'm out.

[RootDet]

honestly for out of state applications, I have had 10x the success mailing in membership applications with my license, social card, proof of address, proof of membership eligibility, and anything else they may need. That is how I finally managed to get into BECU and a few others.  I send it out by certified mail as well. 

The online apps work only like 1/3 of the time and I stopped using them. 

[creditfan]

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@northway wrote:

It's free with any size DD/ACH push. I've credited $1 a month for years with no issues.

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has been doing the same thing. $1 push every month to void fee.

I was consider myself lucky when see OP go through all the hassle.

Mine bam 1-2-3 I am in

[CreditCobra]

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@RootDet wrote:

honestly for out of state applications, I have had 10x the success mailing in membership applications with my license, social card, proof of address, proof of membership eligibility, and anything else they may need. That is how I finally managed to get into BECU and a few others.  I send it out by certified mail as well. 

The online apps work only like 1/3 of the time and I stopped using them. 

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This is excellent advice. Thank you for sharing.

[Guyatthebeach]

CreditCobra,

Sorry to read this, but this proves a point I've made ever since I had issues with joining BECU. Sometimes the effort to join and send pages of documents isn't really worth the rewards. I'm a little surprised that Redstone approved your membership right off the bat. I know people that joined online without going the Rural King route. 

Ever since the challenges I faced to join BECU, I only join CU's and banks with branches near me.  If I'm going to join an organization and send in a bunch of documents to join, I want a physical branch near me in case I need to sign something.  I'm also at the point in my life where I already get the lowest loan rates and I'm only interested in maximizing the rewards on the credit cards. There has to be a really inticing reason for my to join another CU online where there are no branches near me. I just don't see that happening right now.

Also you can  direct deposit or do a ACH transfer for $1.00 for their rewards checking account and Brighter Day savings account. Anything thing I like about Redstone is if you have a car loan offer available and you use it, they don't do a HP. They didn't when my wife got her car loan.

Guyatthebeach