Union Credit Card

My friend from the Philippines is working in Florida right now and he applied for a Visa card in Credit Union in Florida and got approved. He ordered some stuff worth 150 in Ebay using Paypal, when he checked his account he said the bank got another 100 from his account. Why do you think the bank would get another 100? I'd like him to order some stuff from oldnavy.com and amazon.com. But he's worried the bank would again have some more hidden charges.

My guess is that the card has a fee for purchases. If he reads the disclosure statement that came with the card I bet he finds it in there. Credit Unions are very good to most people. They don't hide fees. If he doesn't have his disclosure statement any longer, have him go to the Credit Union and ask about the fee. They will be glad to answer his questions
Good luck
Bob Laibach
www.gogreedy.com

2007-05-09 20:03:38 by C

Discover Credit Union is Featured on 21st Century Business to discuss Innovative Credit Union Credit Card Options.

Also, what is the minimum repayment that is required?

I think you're going to have to ask them directly

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Card Member Services
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2009-03-07 20:16:02 by BArry Hall

Price: $9.95 $9.95

I have a China credit card thats a union pay but it seems like no place takes this card in Vancouver at least i know of. not even online.

Not aware of any establishment in Vancouver that accepts the card. Sorry

2009-07-03 01:49:12 by c_angie36

I have been building my credit back up after a few late payments a couple years ago, nothing major just a few 30 and 60 day late. Since I have started I have brought it up about 80 points (from 576 to about 656). I got a secured card last summer and they just released my deposit and raised the limit(1500 limit), I also have a gas card (850)and a store credit card(2000). Should I add another credit card from my credit union to help my score continue to rebound. I don't have any inquires this year. The gas card is 10 years old, and the store credit card I got in Dec 2006(the last inquiry). All of these accounts have perfect payment history. What should I do, I seems my credit has hit a ceilings all of a sudden, It hasn't gone up in two months. The balances are all very low, under 25%.

There is no need to get another credit card.

But what i would recomend is getting a "non revolving" account. Like a car payment loan or a cd-secured loan.

If you already own your car out right, don' t trade it in just to get a new loan.
Instead look into purchasing a bank CD (Certificate of deposit). Minimum deposits are generally about $500.00.

The bank keeps your money for 12 months, Then at the end of 12 months, pays you back the $500.00 plus all accumlated interest.
But th ebonus to buying a CD is that, when you buy, you can immediately take out a loan out against it for the full amount. (repay the small amount on time every month).

(it's guranteed approval) because they can alwasy cash it in if you don't pay.

But the "loan" shows up as a non revolving loan account on your credit file...this boosts your score because it is a different "type of credit".

Rinse and repeat as necessary. expect to see at least an additional 40-60 point boost by end of 12 months. Good luck.

2007-05-07 07:39:54 by RG

Does anyone know if you can apply for credit union online?If so what's the website?

A credit union is not a credit card company or a banking company. A credit union is a cooperative financial institution that is privately owned and controlled by its members. Credit unions differ from banks and other financial institutions in that the members who have accounts in the credit union are the owners of the credit union and they elect their board of directors in a democratic one person-one vote system regardless of the amount of money invested in the credit union.

You can apply to join a credit union online or in person if you qualify for their membership. The Navy Federal Credit Union is the largest one in the world. I've put the membership requirements below, just to give you an idea of what a credit union would require.

As with all credit unions, membership in Navy Federal is limited to individuals sharing the common bond defined in its credit union charter. Membership in Navy Federal is limited to: Eligibility Checklist Navy Federal's field of membership is determined by the National Credit Union Administration. If you are in any of these categories, you are eligible to join:

All Department of Defense (DoD) uniformed personnel—Army, Navy, Air Force and Marine Corps, retirees and annuitants

All Department of Defense Reservists—Army, Navy, Air Force and Marine Corps—regardless of drill status—retirees and annuitants

All Army and Air National Guard Personnel—regardless of drill status—civilian employees, retirees and annuitants

All DoD Officer Candidate programs: Midshipmen and cadets at the United States Naval Academy, United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Personnel in Officer Candidate programs

All DoD civilian employees

U.S. Government employees assigned to DoD installations

DoD contractors assigned to U.S. Government installations

Family Members, including grandparents, parents, spouses, siblings, grandchildren, children (including adopted, foster and stepchildren) and household members

2008-07-04 15:16:19 by thundergravity