Find out if you are eligible to join TDECU.
30 reviews
Absolute worst bank I have ever used. All their people sound new and stutter like they have no idea what they are even talking about. Ordered a lost credit card from them that I was supposed to get within 7-10 business days. Never received it. After a month of waiting and calling back and forth, I was on the phone for an hour and 45 min reporting a lost card and paid to get it expedited and told I would receive it in three days, just to be told on the 3rd day that the order was not done correctly and my old card has not been sent out yet. So what the hell did we do for an hour and 45 min? Not the only issue I've had with them but this was the last straw. I will never bank with TDECU again I will be writing this review on every page I can find about them.
The TDECU Classic Mastercard's starting credit limit is $500. Credit limits can vary, though, and you may be granted a higher limit. It depends on your credit score, income, or debt-to-income ratio.
TDECU also offers automatic credit limit increases for cardholders who show responsibility and always pay their bills on time and in full. You can even try requesting an increase by calling (800) 839-1154.
You can do a balance transfer with the TDECU Classic Mastercard online, by calling 1-866-820-3867 or by visiting your nearest TDECU Member Center.
The TDECU Classic Mastercard has an intro balance transfer APR of 0% for 12 months and a $0 balance transfer fee. In order to qualify for the introductory offer, you must request a transfer in 30 days of account opening.
Remember, that balance transfers cannot exceed your available credit, and you cannot do one between 2 TDECU accounts!
Yes, you might get approved for the TDECU Classic Mastercard® after bankruptcy. But it's best to wait at least 2 years after discharge before submitting an application. You can even call TDECU's customer service line at (800) 839-1154 to find out about your eligibility. With a few details about your bankruptcy, a representative should be able to assess your approval odds.
If you're not eligible for the TDECU Classic Mastercard® yet, you might have, better luck with a bankruptcy credit card instead. These cards have lenient requirements and offer the best approval odds.
Yes, TDECU Classic Mastercard reports to all bureaus.
In fact, all of TDECU's credit cards report to the major bureaus TransUnion, Experian and Equifax, on a monthly basis.
The TDECU Classic was designed for people with no credit, so you should be at the very beginning of your credit journey.
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