The Master $50k Credit Union CU Credit Card CC Issuers Thread (Help Needed)

[BobWang]

ABCO FCU

Visa Credit Cards

 

Alliant CU

Platinum Visa

 

America's First FCU

VISA® Platinum

 

AmeriCU CU

Business Credit Card

 

Andrews FCU

GlobeTrek Rewards

Visa Platinum Rewards Credit Card

 

Carolina Trust FCU

Business VISA® Platinum Rewards

 

Commonwealth CU

MY Card

 

Congressional FCU

Visa® Platinum with CURewards®

 

CU of New Jersey

Credit Cards

 

Delta Community CU

Platinum Rewards Visa® Card*

 

Digital FCU

Visa Business Platinum

 

Fed Choice FCU

Visa® Platinum Rewards Credit Card

 

IBM Southeast Employees' FCU

Visa® Platinum

 

Keys FCU

Visa Credit Cards

 

Los Angeles FCU

Visa®Credit Cards

 

Michigan State University FCU

Platinum Visa

 

NASA FCU

Business Platinum Advantage Rewards

 

Navy FCU

Visa Signature® Flagship Rewards ($80k)

 

Northwest FCU

Credit Cards

 

Numerica CU

Business Visa

 

O Bee CU

The ONYX Credit Card

 

Oakland University CU

Platinum Visa

 

PenFed

Credit Cards

 

Qside FCU

Visa Credit Cards

 

Sacramento CU

Visa Platinum Rewards Plus

 

San Diego County CU

Visa Platinum Credit Card

 

Sb1 FCU

Visa Platinum Preferred Credit Card

 

Seattle Metropolitan CU

Visa

 

TwinStar CU

Business Visa Credit Cards

 

United Nations FCU

Azure

Elite ($100k)

 

University of Michigan CU

Visa Platinum Cash Rewards

 

Wescom CU

Platinum Visa

 

[TrevorHere]

First Tech ( formerly Addison Avenue)

 

https://www.firsttechfed.com/LoansandCredit/Credit%20Cards/index.aspx?src=lac5

Edited February 14, 2014 by TrevorHere

[cv91915]

OMG, a shopping list!

[BobWang]

First Tech ( formerly Addison Avenue)

 

https://www.firsttechfed.com/LoansandCredit/Credit%20Cards/index.aspx?src=lac5

Trev, I believe they've cut the limit on their cards.

 

I remember one of the reasons I joined was to get their $50k card,

 

but then the max limit was reduced.

[BobWang]

OMG, a shopping list!

 

There seems to be increased interest in bigger limits.

[BobWang]

I had to re-apply for a "new" Visa from my local CU,

 

great rewards program, rotating 5% categories.

 

I asked again for $100k,

 

but they would only do $50k.

 

Supposed max is $25k.

[ericgunit]

Great info. Thanks!

[cv91915]

I had to re-apply for a "new" Visa from my local CU,

 

great rewards program, rotating 5% categories.

 

I asked again for $100k,

 

but they would only do $50k.

 

Supposed max is $25k.

 

IIRC my local CU would let me do a secured card up to $100,000. A couple of years back I thought about maxing that and letting it report as such for a few reporting cycles, and then reducing the limit and corresponding deposit. I wasn't sure, though, how a $100,000 limit reduced to, say $10,000 would look on manual review...

Edited February 14, 2014 by cv91915

[BobWang]

My CU pays a miserable interest rate,

 

so I wouldn't want to tie up $100k doing that.

[shifter]

OMG, a shopping list!

:D

[BobWang]

[cv91915]

I just put a pre-approval for an Alliant Platinum Visa onto the shred pile. I can still rescue it...

 

IIRC I read a post recently that said that under certain circumstances these pre approvals were done from prior softs, and that an application wouldn't result in a hard, even if approved. I could be wrong. Ring any bells?

[BobWang]

I'm pretty sure Alliant will pull a hard.

[cv91915]

I'm pretty sure Alliant will pull a hard.

 

I would think so, but that's why the post struck me. Of course I can't find it back. I think the comment was Trevor's.

[shifter]

But it's an EQ hard which is almost like no hard at all.

[TrevorHere]

 

I'm pretty sure Alliant will pull a hard.

 

I would think so, but that's why the post struck me. Of course I can't find it back. I think the comment was Trevor's.

 

I'm fairly sure I received a hard pull for my cc back then. Unless the hard was used for both membership and card..not positive on that. I also applied for the LOC shortly after that-less than a month iirc? It was either 1-2 hards for all three. For some reason the alliant experience was less memorable than my earlier Penfed, navy and nasa experiences, lol. I think I was most bummed by the fact that Alliant decreased its card max from the former 100K card Bob received months earlier. So, I missed it.

 

Now that I think about it.....and maybe Bob can confirm this too. I believe upon applying for Alliant's membership, many applicants received an auto approval for 10K on a visa. I turned it down at the time because I was shooting for usable limit. So, I completed a hard app.

Edited February 14, 2014 by TrevorHere

[BobWang]

I also missed the $100k limit,

 

my Visa is only $50k.

 

Back then Alliant did offer instant $10k approvals,

 

I didn't bite on that one either.

 

I think I ended up with 3 or 4 Alliant Equifax inquires,

 

but they didn't survive very long.

[HoustonLynne]

 

OMG, a shopping list!

 

There seems to be increased interest in bigger limits.

 

Don't let ANYONE ever tell you that size doesn't matter.

[cv91915]

 

 

I'm pretty sure Alliant will pull a hard.

 

I would think so, but that's why the post struck me. Of course I can't find it back. I think the comment was Trevor's.

 

I'm fairly sure I received a hard pull for my cc back then. Unless the hard was used for both membership and card..not positive on that. I also applied for the LOC shortly after that-less than a month iirc? It was either 1-2 hards for all three. For some reason the alliant experience was less memorable than my earlier Penfed, navy and nasa experiences, lol. I think I was most bummed by the fact that Alliant decreased its card max from the former 100K card Bob received months earlier. So, I missed it.

 

Now that I think about it.....and maybe Bob can confirm this too. I believe upon applying for Alliant's membership, many applicants received an auto approval for 10K on a visa. I turned it down at the time because I was shooting for usable limit. So, I completed a hard app.

 

 

Everything I've experienced with Alliant so far has been completely forgettable too. I was excited about their "high-rate" savings account until I joined and then looked around elsewhere at other options, and found plenty of other places that paid more on liquid savings...

 

I can't say that any of their CCs are particularly alluring to use with any regularity either...

[shifter]

What's the max on the DCU personal platinum? The website doesn't say.

[shifter]

I researched every one of these in terms of their card offerings as well as eligibility requirements.

 

obviously I skipped the ones that require you to live in an area that I don't live in.

 

my short list in order of my most to least favorite is:

 

Northwest

Andrews

ABCO

Delta Community

MSU/Oakland U.

Alliant

 

anybody know which ones of these tend to be the most generous in their starting CL?

[shifter]

First Tech ( formerly Addison Avenue)

 

https://www.firsttechfed.com/LoansandCredit/Credit%20Cards/index.aspx?src=lac5

just wanted to note that only the Odyssey Rewards Visa Signature Card with the $50 AF has a $50k max.

 

the others with no AF have a $35k max.

Edited February 16, 2014 by shifter

[BobWang]

ABCO FCU

Visa Credit Cards

 

Alliant CU

Platinum Visa

 

America's First FCU

VISA® Platinum

 

AmeriCU CU

Business Credit Card

 

Andrews FCU

GlobeTrek Rewards

Visa Platinum Rewards Credit Card

 

Carolina Trust FCU

Business VISA® Platinum Rewards

 

Commonwealth CU

MY Card

 

Congressional FCU

Visa® Platinum with CURewards®

 

CU of New Jersey

Credit Cards

 

Delta Community CU

Platinum Rewards Visa® Card*

 

Digital FCU

Visa Business Platinum

 

Fed Choice FCU

Visa® Platinum Rewards Credit Card

 

First Tech FCU

Odyssey Rewards™ Visa Signature®

 

IBM Southeast Employees' FCU

Visa® Platinum

 

Keys FCU

Visa Credit Cards

 

Los Angeles FCU

Visa®Credit Cards

 

Michigan State University FCU

Platinum Visa

 

NASA FCU

Business Platinum Advantage Rewards

 

Navy FCU

Visa Signature® Flagship Rewards ($80k)

 

Northwest FCU

Credit Cards

 

Numerica CU

Business Visa

 

O Bee CU

The ONYX Credit Card

 

Oakland University CU

Platinum Visa

 

PenFed

Credit Cards

 

Qside FCU

Visa Credit Cards

 

Sacramento CU

Visa Platinum Rewards Plus

 

San Diego County CU

Visa Platinum Credit Card

 

Sb1 FCU

Visa Platinum Preferred Credit Card

 

Seattle Metropolitan CU

Visa

 

TwinStar CU

Business Visa Credit Cards

 

United Nations FCU

Azure

Elite ($100k)

 

University of Michigan CU

Visa Platinum Cash Rewards

 

Wescom CU

Platinum Visa

 

[BobWang]

I researched every one of these in terms of their card offerings as well as eligibility requirements.

 

obviously I skipped the ones that require you to live in an area that I don't live in.

 

my short list in order of my most to least favorite is:

 

Northwest

Andrews

ABCO

Delta Community

MSU/Oakland U.

Alliant

 

anybody know which ones of these tend to be the most generous in their starting CL?

 

A few years ago Andrews flat out denied me for a Visa,

 

pyramiding credit cards.

 

I hear Delta is pretty generous.

[Tyra]

Before a person applies looking for potential 50K it is probably a good idea to ask what kind of limits folks here have been given lately. Some CU can be awful stingy until they have done business with you for a few years.