Patelco Credit Card Review
Author: spjoink
Posted: Tue Aug 15, 2006 3:25 am
Post subject: Patelco anyone
anybody has any info on patelco?? who do they pull are they lenient or hard to get approval from ...anybodu with good or bad experience
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: multiplierx
Posted: Tue Aug 15, 2006 11:16 am
Post subject:
I've been with Patelco for a year and a half. They pull Experian. I don't know how they are with derogatories but your credit limit will be largely determined by proof of income.
I've never had any problems with them. The reps have always been accomodating. Their website, transfers, etc have always gone smooth. I have the savings account, 1% cash-back Mastercard and an auto loan @ 5.2%.
_________________
Total interest paid on cards = 0.00
Amount of cash/rewards in past year = $550
Utilization - less than 1%
Author: spjoink
Posted: Tue Aug 15, 2006 11:23 am
Post subject: Patelco Credit Card Review
how can i become member?
Author: mouse
Posted: Tue Aug 15, 2006 11:28 am
Post subject:
PROOF OF INCOME in advance is their big deal
I have never been asked by any BANK for proof of income in 30+ years
On the plus side you can usually apply for more than one credit product with the same inquiry for like 90 days
BUT AFTER 90 DAYS THEY MUST PULL THE HARD WAY AGAIN FOR A SIMPLE CLI
Author: multiplierx
Posted: Tue Aug 15, 2006 11:39 am
Post subject: Patelco Credit Card Review
Both my credit unions ask for proof of income. I think it's the norm with most CUs.
Yeah, the EX pull for a CLI sucks. No CLI is worth another EX inq to me. I have 7 showing until next year, the bulk of those from my 2 CUs.
I became a member by signing up for a savings account online. I didn't claim any affiliation(i just hit next). I funded the account EFT from my bank. A month or 2 later, I applied for the MC.
_________________
Total interest paid on cards = 0.00
Amount of cash/rewards in past year = $550
Utilization - less than 1%
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Tue Aug 15, 2006 3:25 am
Post subject: Patelco anyone
anybody has any info on patelco?? who do they pull are they lenient or hard to get approval from ...anybodu with good or bad experience
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: multiplierx
Posted: Tue Aug 15, 2006 11:16 am
Post subject:
I've been with Patelco for a year and a half. They pull Experian. I don't know how they are with derogatories but your credit limit will be largely determined by proof of income.
I've never had any problems with them. The reps have always been accomodating. Their website, transfers, etc have always gone smooth. I have the savings account, 1% cash-back Mastercard and an auto loan @ 5.2%.
_________________
Total interest paid on cards = 0.00
Amount of cash/rewards in past year = $550
Utilization - less than 1%
Author: spjoink
Posted: Tue Aug 15, 2006 11:23 am
Post subject: Patelco Credit Card Review
how can i become member?
Author: mouse
Posted: Tue Aug 15, 2006 11:28 am
Post subject:
PROOF OF INCOME in advance is their big deal
I have never been asked by any BANK for proof of income in 30+ years
On the plus side you can usually apply for more than one credit product with the same inquiry for like 90 days
BUT AFTER 90 DAYS THEY MUST PULL THE HARD WAY AGAIN FOR A SIMPLE CLI
Author: multiplierx
Posted: Tue Aug 15, 2006 11:39 am
Post subject: Patelco Credit Card Review
Both my credit unions ask for proof of income. I think it's the norm with most CUs.
Yeah, the EX pull for a CLI sucks. No CLI is worth another EX inq to me. I have 7 showing until next year, the bulk of those from my 2 CUs.
I became a member by signing up for a savings account online. I didn't claim any affiliation(i just hit next). I funded the account EFT from my bank. A month or 2 later, I applied for the MC.
_________________
Total interest paid on cards = 0.00
Amount of cash/rewards in past year = $550
Utilization - less than 1%
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 7:16 PM
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