PSECU Credit Cards

PSECU is a complete disappointment as a credit union. They are not supportive of their members. After more than 10 years with them, holding both the Classic and Founder credit cards and maintaining an excellent payment history, I faced financial difficulties in 2025 and struggled to keep up with the payments. I called them multiple times to arrange a solution, but they were unwilling to assist. I was only 30 days late on one card, yet they suspended all my accounts and reported me as 60 days late, which is completely unfair. Attempts to dispute the late payments were met with indifference. Even after I managed to pay off the accounts, they still offered no assistance and decided to close all my accounts. They are not worth your time. I advise against working with them; stay away. PSECU does not take the members' interests to heart. They are just as profit-driven as any regular bank.

PSECU has been great so far. They have issued a credit card to my wife and me, a personal loan, and a vehicle equity loan, all within two months. I feel much better giving them interest payments at a reduced rate than the major banks that don't seem to care about the little fish. We are moving our direct deposits to PSECU and plan on doing 90% of our banking here. The only negatives are low daily transfer limits and three-day external transfers. Chase and US Bank have spoiled me with their instant transfers. Hopefully, the credit unions will eventually offer this.

An absolute disaster of an organization. I have been with them for 30 years. It has become bureaucratically unwieldy. Choose PSECU if you want your debit cards and credit cards to be blocked every time you leave the state or the country, if you like being placed on hold for long periods of time, or if you like listening to an incredibly redundant voicemail that takes forever for you to be able to talk to a person, or if you don't expect the customer service representatives to return your messages. Such a shame. It used to be a very efficient organization. It's fine if you live in a tiny town in PA. I have been calling them about these problems for 15 years. Yesterday, my credit card with them was blocked while trying to buy flowers for my mother-in-law's birthday because of a "setting" that needed to be adjusted. Imagine that scenario every time you travel, and now you know PSECU.

DO NOT trust PSECU. They approved me for a Classic Visa Card for $8,000, and I sent out the checks to transfer my balance. What a relief!

The check I sent to transfer the balance was declined, and they sent a letter to me (I haven't received it yet, but they said it's coming) telling me they decided to close the card. Their excuse was they received new information from my credit report. Now, you guys know if we're even on this website, we check our credit report daily. My credit rating went UP since applying and getting approved.

Now, I have a late fee and late payment because the check I sent to my other credit card was declined.

PSECU used to be the best of the best 10 years ago. They are not the same credit union. They have declined in quality, which is very disappointing. They reserve the right to close your account at any time, and they use that right.

Extremely Disappointed with PSECU's Unjust Credit Practices

I am utterly disappointed and frustrated with PSECU's recent handling of my credit limit situation. Despite being a responsible customer who diligently managed my credit, PSECU drastically reduced my credit limit from $30,000 to $9,700 without a valid reason. This decision was supposedly based on a credit score of 637, which is starkly inaccurate as my actual score was in the 700s at the time of my last application. I provided concrete evidence, including my previous application and a current credit report, to prove that their decision was based on erroneous information. However, PSECU has stated that they cannot do anything about it, refusing to rectify or even properly re-evaluate the situation based on the correct data.

This has not only affected my financial flexibility but is now poised to damage my overall credit profile, as it drastically changes my utilization ratios and makes me appear financially irresponsible to other lenders. It's disheartening to see a credit union that should support its members' financial well-being instead contribute negatively to it. I expected better from PSECU, a credit union that prides itself on member satisfaction and support. Their unwillingness to correct their mistake has shown a lack of accountability and a disregard for the financial stability of their members. I strongly advise potential members to consider this experience as a testament to how PSECU might treat your financial concerns. Fair warning: think twice before expecting support or fair treatment from this institution.

APPLICATION WARNING!!!!

I recently applied for the Founders Card and was denied. They use Experian and posted the reason of credit score and inquires. They listed a score over 80-pts less than what my current Experian score was!!! I actually had a copy pre, and post application. I called to inquire about it and they say that's what it was. I provided proof and I got an I don't know. I reverified with Experian and they confirmed my numbers and could not explain the discrepancy. Now inquiries, 2 of my 6 were from them!!! So 6 inquires over 2 yrs was excessive to them!! They're fabricating reasons for declines so don't waste your time!!!

Did you see the Visa Classic rate rise and 2.9 checks are no longer after July 1, 2023. Called the Visa Card dept. and Mr. Rudolph never advised them of the email. What kind of an operation is he running, simply only one to line his own pockets. Check out the public information on his salary.

Wonderful credit union! Love them and they’re always attentive. Every single time I call they’re always attentive to my questions. I appreciate everything.

At this point customer service is really bad ? I made a big mistake here 1 hour and 29 mins on hold sucks at this point pa wow

PSECU has excellent credit card interest rates and excellent financial promotions that help the Consumer. In addition their phonr helps is second to none. I have been one of their customers for several years and I'm highly pleased with the low interest loans I've received from PSECU.