Get Credit Card Application - Tuscaloosa Teachers Credit Union

You need a credit score of 700+ to get a credit card from most credit unions, though some credit unions have options available for people with bad credit or no credit history.

One of the most popular brands of credit scores is the FICO Score, created by the Fair Isaac Corporation. The FICO Score is used by most lenders, and typically ranges from 300 (very poor) to 850 (exceptional).

Is It Easier to Get a Credit Card From a Credit Union? When you apply for a credit card through a credit union, you may expect the credit union to check your credit score. However, as a member with less-than-perfect credit, you might find it easier to qualify for a credit card through your credit union than a bank.

If your card was closed, contact TTCU during business hours to order a replacement card. Member Relations Specialists are available via the phone between 7:30 a.m. - 6:30 p.m. Monday through Friday and 8:30 a.m. - 1:30 p.m. Saturday. They can be reached at (918) 749-8828 or toll-free at (800) 234-8828.

Yes, you can get a credit card through a credit union. In fact, many credit unions offer credit cards with more competitive rates and terms than a traditional bank. And like any other type of credit card, one issued from a credit union can also be used to make purchases or cash advances.

No - depending on the account you want to open additional checks or eligibility criteria may apply. For example, if you are applying for a credit product, like a loan, you will need to pass affordability and credit checks for the loan you want. Other accounts are only available to members with certain employers.

PenFed Credit Union Applying with a co-borrower can help you access low rates if your credit scores need work. Because federal credit union APRs are capped at 18.00% by the NCUA, PenFed loans are more affordable than what you may find at a bank or online lender.

You need a credit score of 700+ to get a credit card from most credit unions, though some credit unions have options available for people with bad credit or no credit history. There are credit union cards for every credit level, and some of the best credit union cards are only available to people with excellent credit.