I totally screwed up. I've been sitting here trying to compare banks and I totally forgot about credit unions. Are credit cards / loans easier to get with a credit union? do they have better checking accounts or what is the reason most people join?
Should I take it, if the word "federal" is in the title anyone can join? I talked to a couple and they are local, you need to have a residence or employment in the county so I don't qualify. I was told there are a couple of federal ones, but I don't know where they are, I've been driving around trying to look for them but no luck. Some of these places are in really small downtown buildings without much signage.
So now do I hit the place harder where I already have a card or do I open my 2nd checking account where I want to get something in the future?