O Bee Credit Card Knowledge
What are the two primary credit cards we offer?
Classic or Rewards
I am looking to build my credit after my divorce, is a credit card the best option for this?
Solid question. When used wisely, credit cards can be a great way to build/rebuild your credit. With that, we will want to ensure that we have a plan in place for you to make your monthly payments on time and not go over your credit limit.
How much do we charge for a balance transfer?
Nada! O! Nothing
How much do the other folks charge? 3-5% of the balance being transferred
How many branches does O Bee have?
6
What is one of the easiest ways to build your credit?
Make your payments on time.
What if I don't qualify for an O Bee credit card, but still want a credit card. What is another option that I have?
Secured credit card
I have terrible credit and never get approved for anything. Is there anyway you can help?
Absolutely! What I love is that we have a handful of options for our members. Also, all of our applications are looked at by local people and not a computer system. If on the outside chance you don't qualify, we can look at a secured card for you.
How many card designs do we offer?
5
Washington State
Pabst Blue Ribbon
Oly Gold
Rainier
Lone Star
When did O Bee CU start?
1955
What are the three primary credit reporting agencies?
Experian, Equifax, and Transunion
What day of the month are credit card payments due?
28th of the month
Which credit card should I apply for?
The first question I like to ask is, what does your credit card usage look like? Do you pay your card off monthly or maintain a balance? How interested are you in rewards? Know this will allow me to help you choose the best option for you.
How do we calculate the monthly payment?
2.5% of the balance at the end of the billing cycle
What are the 7 ways you can make a loan payment?
Via Online Banking (internal transfer)
Message Pay Online (4.99 fee)
Pay by Phone (10 Fee)
Pay by Snail Mail
Automatic Payment
Bill Pay
Pay via Shared Branching
What is the range of credit scores
300-850
What are the limits on a secured credit card?
$500-$5000
Why should I choose O Bee over a Chase or Discover card?
Great question! One of the many perks of O Bee credit cards is our low rates as well as access to rewards without an annual fee.
On a Visa Rewards card, how many rewards points do you get after your first purchase?
10,000
Which two Berenstain Bears visit school classrooms?
Brother Bear and Sister Bear
Define what a credit score is
A credit score estimates how likely you are to repay borrow money and pay bills
Why should every member have a credit card with O Bee?
It is important to have a backup plan for those unexpected situations. A O Bee credit card provides your that security. Plus it does it at a low low rate with no annual fee.
Can you combine your Scorecard rewards points with other Scorecard reward point cards?
Yes, you can combine your O Bee debit card points with you O Bee Rewards credit card points. You can even combine family points to earn more rewards.
How many points will someone earn on a 20.00 purchase with a Rewards credit card?
20 points
Who on the ELT is the great granddaughter of our founder Ted McGill?
Martha Prestin
What are the 5 factors that impact your credit?
Payment History (35%)
Amounts Owed (30%)
Length of Credit (15%)
New Credit (10%)
Credit Mix (10%)