Philadelphia Federal Cu

★★★☆☆
  • 12800 Townsend Rd

    Philadelphia, PA 19154

    Map & Directions
  • 215-934-3500

About Philadelphia Federal Cu

Finance

Finance
More choices in Philadelphia:
Resultset_next

Security Finance

3521 Stardust Dr Hannibal, MO

Resultset_next

Illinois Title Loans Inc

1800 Broadway St Quincy, CA

2.5 2
Hi! Sign in to let us know how Philadelphia Federal Cu was?
Write a Review
.

I use PFCU and have their famous FIA CREDIT CARD that is attached to the system. In 2009 I was stuck in a ??credit card cycle? caused by Citicorp when they honored an expensive ??deposit? (over my limit) from Quicken loans for NO SERVICES rendered. During this time my APR was 11. 75% was changed to 28.75%. Your credit card company did not accept my good faith payments of less than the total amount due at a time when I could not afford food. The new law states: ??If the cardholder triggers the default rate because of a 60-day delinquency, the bank must restore the lower rate once the cardholder cardholder makes 6 consecutive on-time payments.? The rationale that you use for denying consideration is a credit score that FIA damaged. I now paid most that is due and except for the difficulty I have gone through have been a long-standing PFCU customer and demonstrated my seriousness in paying FIA and all my obligations. FIA lowered my credit to less than half, ruined my credit rating, gave me a higher credit rating, when I requested that the PENALTY APR be taken away and paid my loan down they closed my account down. The excuse that the PFCU offered me is that I had a choice, even though they gave me no tools in order to make this decision. They refuse to understand that BANK OF AMERICA, which is what the FIA credit card is connected to, is BAD for its customers! So I do not advise using the credit card attached to this bank and check the FIA/ B of A customer complaints online.

0
★☆☆☆☆

I use PFCU and have their famous FIA CREDIT CARD that is attached to the system. In 2009 I was stuck in a ??credit card cycle? caused by Citicorp when they honored an expensive ??deposit? (over my limit) from Quicken loans for NO SERVICES rendered. During this time my APR was 11. 75% was changed to 28.75%. Your credit card company did not accept my good faith payments of less than the total amount due at a time when I could not afford food. The new law states: ??If the cardholder triggers the default rate because of a 60-day delinquency, the bank must restore the lower rate once the cardholder cardholder makes 6 consecutive on-time payments.? The rationale that you use for denying consideration is a credit score that FIA damaged. I now paid most that is due and except for the difficulty I have gone through have been a long-standing PFCU customer and demonstrated my seriousness in paying FIA and all my obligations. FIA lowered my credit to less than half, ruined my credit rating, gave me a higher credit rating, when I requested that the PENALTY APR be taken away and paid my loan down they closed my account down. The excuse that the PFCU offered me is that I had a choice, even though they gave me no tools in order to make this decision. They refuse to understand that BANK OF AMERICA, which is what the FIA credit card is connected to, is BAD for its customers! So I do not advise using the credit card attached to this bank and check the FIA/ B of A customer complaints online.

Pros: Easy to get started

Cons: When you are in trouble BEWARE

.

This credit union has branches all over Philly, so it's very convenient. Because they're not beholden to investors, there are virtually no charges or fees incurred for banking with them. No surcharges for ATM withdrawals, no charges or annual fees for ATM/debit cards, no charges for any savings or checking accounts, no minimum balance for checking accounts, you only need to keep $5 in your savings account. It's member-owned, so customer service is a top priority. I never have to wait at my local branch, because there are plenty of self-service booths, with a teller available during your transaction. This is the fastest, friendliest banking I've ever done. There are a ton of other features & benefits to banking at PFCU, but most people love it because it's hassle-free & fee-free. No bank can compete with that. Membership is free & open to anyone who lives, works, does business with, or attends school in Philly. That means everyone.

PROS: quick, hassle-free, no-fee alternative to banks
CONS: none

4
★★★★☆

This credit union has branches all over Philly, so it's very convenient. Because they're not beholden to investors, there are virtually no charges or fees incurred for banking with them. No surcharges for ATM withdrawals, no charges or annual fees for ATM/debit cards, no charges for any savings or checking accounts, no minimum balance for checking accounts, you only need to keep $5 in your savings account. It's member-owned, so customer service is a top priority. I never have to wait at my local branch, because there are plenty of self-service booths, with a teller available during your transaction. This is the fastest, friendliest banking I've ever done. There are a ton of other features & benefits to banking at PFCU, but most people love it because it's hassle-free & fee-free. No bank can compete with that. Membership is free & open to anyone who lives, works, does business with, or attends school in Philly. That means everyone.

PROS: quick, hassle-free, no-fee alternative to banks
CONS: none

Was this review helpful to you?
Ratings_icons Ratings_icons

 

Wait, you're the expert.

If you've been to or used Philadelphia Federal Cu, leave a review.

It's easy, only takes a couple of minutes and you'll help thousands make an informed decision.



Write a Review