hdporter Posted November 13, 2020 Share Posted November 13, 2020 On 10/15/2020 at 7:56 PM, swimmingwithsharks said: I no longer expect any bank or CU to be the best at meeting all my financial needs at the same time. Much like I use several different rewards credit cards, I use several different banks and CUs, rather than moan about the things each does badly or ineffectually. SWS is clearly not burdened down with a bunch of mental health baggage ... I aspire to be as clear headed. Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted November 13, 2020 Share Posted November 13, 2020 2 hours ago, hdporter said: SWS is clearly not burdened down with a bunch of mental health baggage ... I aspire to be as clear headed. I still like Aliiant and am cutting them some slack for my low limit on new cc due to the economic climate. But damn...lowest cl tradeline I have now. TheVig and Zanshiro 2 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted November 13, 2020 Author Share Posted November 13, 2020 $300 CLI and a BT offer up to $200 (with a 3% fee) from Patelco. Krish and TheVig 2 Quote Link to comment Share on other sites More sharing options...
Krish Posted November 14, 2020 Share Posted November 14, 2020 USAA is now closed, waiting on PatelCo to close the accounts. Next round, First command credit card.. I have no idea how to reach them as they report on my credit card as active and the only card I have had expired in 2014. This will be interesting... cv91915 1 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted November 14, 2020 Share Posted November 14, 2020 4 hours ago, Krish said: USAA is now closed, waiting on PatelCo to close the accounts. Next round, First command credit card.. I have no idea how to reach them as they report on my credit card as active and the only card I have had expired in 2014. This will be interesting... You might consider keeping the First command cc open for AAOA. Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted November 14, 2020 Share Posted November 14, 2020 Alliant is unable to tell me when my due date is on my newly activated cc. cv91915 1 Quote Link to comment Share on other sites More sharing options...
Rogue Posted November 15, 2020 Share Posted November 15, 2020 (edited) Why is anyone even dealing with Patelco? Edited November 15, 2020 by Rogue Quote Link to comment Share on other sites More sharing options...
cv91915 Posted January 14, 2021 Author Share Posted January 14, 2021 When United States Senate Federal Credit Union finally responds to your second request to close your accounts and terminate your membership, they send a confirmation via secure message and lock you out of online banking, making it impossible to retrieve the response. centex 1 Quote Link to comment Share on other sites More sharing options...
IndyPoolPlayer Posted January 14, 2021 Share Posted January 14, 2021 (already mentioned in auto finance but I'll repeat it here) So amateur I called for a payoff quote, immediately submitted payment, and by the time the payoff posted there were 10 cents still on the loan. cv91915 1 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted February 4, 2021 Author Share Posted February 4, 2021 (edited) State Department FCU's web site offers a secure document upload feature whose only function is to lose documents so a kredit younyun employee doesn't have to. And if you are polite, then persistent, and then ultimately threaten to file complaints with regulatory agencies, they'll let you leave after six attempts over the course of a month. Edited February 4, 2021 by cv91915 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted February 4, 2021 Author Share Posted February 4, 2021 Yesterday, USE Kredit Younyun, which I left in ~2015, emailed me some tools I can use: Quote Link to comment Share on other sites More sharing options...
cv91915 Posted March 19, 2021 Author Share Posted March 19, 2021 NFCU, which never fails to impress people who have zero expectations, will not allow me to: - Initiate inbound ACH transfers into my checking OR savings account; - Initiate an outbound ACH transfer from my savings account; - Initiate an outbound ACH transfer from my checking account below a threshold they've decided is low enough for my banking needs. Quote Link to comment Share on other sites More sharing options...
CTSoxFan Posted March 19, 2021 Share Posted March 19, 2021 4 hours ago, cv91915 said: NFCU, which never fails to impress people who have zero expectations, will not allow me to: - Initiate inbound ACH transfers into my checking OR savings account; - Initiate an outbound ACH transfer from my savings account; - Initiate an outbound ACH transfer from my checking account below a threshold they've decided is low enough for my banking needs. They also will only allow you to transfer/make a payment on a credit card of a maximum of $10k in any given day from an external account. That is far superior to Penfed however who says you can do $15k, but when you try to it just fails unless you do $5k or less. cv91915 1 Quote Link to comment Share on other sites More sharing options...
centex Posted March 19, 2021 Share Posted March 19, 2021 5 hours ago, CTSoxFan said: They also will only allow you to transfer/make a payment on a credit card of a maximum of $10k in any given day from an external account. That is far superior to Penfed however who says you can do $15k, but when you try to it just fails unless you do $5k or less. Well, you know...$15 is a lot like $5...but its one more... So, applying pseudo-SpinalTap logic, you are not missing much because it is ONLY one more...albeit a BIG one...not to be confused with the guys who keep putting decimals in the wrong place. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted April 14, 2021 Author Share Posted April 14, 2021 404 error from a link in a Penn Fedd email inviting me to accept a chance to win $10,000. centex 1 Quote Link to comment Share on other sites More sharing options...
hdporter Posted April 14, 2021 Share Posted April 14, 2021 3 hours ago, cv91915 said: 404 error from a link in a Penn Fedd email inviting me to accept a chance to win $10,000. Click on the URL link, not the "Enter Now" link. Obviously some type of sophisticated filter. (We'll call it, "They done f'd up".) Quote Link to comment Share on other sites More sharing options...
cv91915 Posted April 14, 2021 Author Share Posted April 14, 2021 3 hours ago, hdporter said: Click on the URL link, not the "Enter Now" link. Obviously some type of sophisticated filter. (We'll call it, "They done f'd up".) I tried both. Windows and iOS. TheVig, centex and hdporter 3 Quote Link to comment Share on other sites More sharing options...
pendleton94 Posted July 8, 2021 Share Posted July 8, 2021 Just again proves that after you enlist and establish a few credit lines, to move on from credit unions. My NFCU card, that I electronically push a payment from my Chase account to the NFCU card, has a payment hold for my $300. lol I've pushed a payment from Chase to NFCU for three years now, sometimes for around $100, other times over $1,000. Was told it's a five day hold unless I want to get on a conference call with Chase to confirm the money cleared. It obviously clears right away, because they wouldn't electronically push the funds out of my checking, if I didn't have money in my checking to begin with. I understand if this was pull from NFCU to Chase, but this is a push from bill pay Chase to NFCU. Every time I hear guys on base saying how great NFCU is, I remember the ones that say it either have bad credit or low expectations. cv91915 and centex 2 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted November 3, 2021 Author Share Posted November 3, 2021 Member for 10 years at SDFCU with an 828 FICO was declined for a credit card after applying, providing the requested two years of tax returns and three months of bank statements, because SDFCU couldn't "verify" her "electronically." Quote Link to comment Share on other sites More sharing options...
chrishillson Posted December 31, 2021 Share Posted December 31, 2021 I just tried to login to NFCU through the app and it asked me to complete a 2 factor authentication. One of the options was sending a push notification to my mobile device (clearly noted as "this device"). Sure enough it worked and I verified my login by clicking accept on the same device. Oh and I still had to get to my computer -- the mobile app doesn't show check images. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted April 18 Author Share Posted April 18 Telhio (LOL) Credit Union's marketing materials are all ctrl-C ctrl-V from CUNA templates. Also, while they were busy putting people over profit their ATM vendor went bankrupt, so you'll have to go to a 7-11 to get cash from an ATM until they figure something out. MP80 1 Quote Link to comment Share on other sites More sharing options...
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