Got approved,Visa Gold 5k limit, 715 Exp(my fico), no derogs, Current high CC limit 10k BOA. My Question... Does anyone know what the Patelco CC looks like or better yet do you have a link to a pic of the Gold or any other there cards. thanks
Mine is a simple blue card with Patelco Credit Union on it with the visa sign on the bottom. Nothing fancy but it's sure nice to have in the wallet.
Got my card within the last 2 weeks. 44K credit line. 800+ FICO. No derogs. The card looks cheap to me. Everyone else has a platinum or titanium card these days. I keep mine with the rest of my plastic in my sock drawer.
Got us approved for a $1500 Visa card with stipulations! I was hoping for $1000 so I asked for $1500 and got the whole thing. I just had to join, the CU duh, and then I have to send a copy of DH's last pay stub. Can I ask what everyone put for their reason to be eligible to join the CU. Since I live in VA, I used their last resort... a member of the California Asso for Older Americans?? It said anyone, any age, any state can join...so I guess it worked. I am a new member with my first CC!! BK Chpt 7 discharged Sept 7, 2004... FICO from Experian is 630.
I thought the Patelco CU membership was open to everyone. Does anyone know specifics on how much $$$ you need to start a account?
From their website: You are eligible to join Patelco Credit Union if you meet any one of the following conditions: A Community Charter allows you to join if you live or regularly work in one of these California cities: Atwater, Citrus Heights, Dublin, Elk Grove, Fairfield, Healdsburg, Laguna, Livermore, Los Banos, Merced, Novato, Pleasanton, Rohnert Park, Roseville, San Francisco, Santa Rosa, Windsor You live, regularly work or worship in these California cities: Alameda, Bakersfield, Belmont, Berkeley, Brisbane, Burlingame, Colma, Concord, Daly City, Emerville, Eureka, Fairfield, Fair Oaks, Folsom, Foster City, Fremont, Hayward, Hillsborough, McKinleyville, Millbrae, Oakland, Pacifica, Petaluma, Pleasant Hill, Rancho Cordova, Redwood City, Rocklin, Sacramento, San Bruno, San Carlos, San Jose, San Mateo, San Rafael, San Ramon, Santa Clara, Santa Cruz, South San Francisco, Suisun City, Sunnyvale, Tracy, Vacaville, Vallejo, Walnut Creek, You are an employee or pensioner of one of the 1100+ companies, associations, trade groups, chambers of commerce, or federal government agencies served by Patelco Credit Union You are a family member or roommate of an existing Patelco member (you will need their name and account # when you apply) You are a minor child or surviving spouse of a deceased employee or pensioner eligible for membership You are a member or parishioner of any Roman Catholic Parish within the city or county of San Francisco You are a civilian employee of the United States Government that works in or has headquarters in San Francisco You are a member of the California Association for Older Americans. Anyone can join this assocation, regardless of age or geographic location. Just indicate California Association for Older Americans on your application. A minimum of $5 is required to open a savings account or $10 to open a savings and checking account. In addition, Patelco requires a $20 membership fee
how were you notified of approval? those declined, did they send email or notify via snail mail? just curious, I applied recently.
I did all of mine over the phone in Sept, I asked for 7k & they gave it to me, then called a week later and told them I want bt and don't want max the card out and asked for 8500. She put me on hold for a second and came with 10k. Fast forward to this Oct 5,and asked for there MC with the same cl and was given only 2500. One week ask for a pre-approved letter for auto loan for 50k, bam approved. When to pick my car & the total came to 50,300. Faxed over the amount & insurance. Then patelco call when i was at the deal and said don't worrier about the 300 we will give u the hold amount. I love this CU they looked at my hold report not my score. I was told my score was only 623. O and only one hard from the first pull & that letter would have been to Jan 5. 05
Yahoo, patelco is the best. Gave DH 5000 CL with only 627 fico. We Couldn't believe it. A little bit slow though but who cares. Thank You Credit Netters for the advice. Couldn't do it without you.
I just got approved for a 3000 cl increase from 3000 to 6000 and look at my fico's!!! My utilization on the card was about 98% considering I had it at 2900!!! Still got approved... I think my experian fico is currently 591
I haven't heard yet... I'll keep my fingers crossed. I have 688 EXP, only a few inquiries but high utilization. We will see...
quietspice, I got approved 3 weeks after discharge with a 630 FICO. Now after disputing experian and 1stUSA and ATT universal dropping off the CR, and others correcting to show IIB....by score is 664 even with the new PATELCO inquiry. We had to fax DH last paystub, then they asked for our DL and SS card copies. Waiting for the card now. ASK ... they can only say no.
Mongrol, Did you call and ask for the increase or did you ask for it on there website. I also have a 3000 CL with them, with 50% utilized with a 644 exp fico. ?
