Thread: Bank Credit Cards

The credit card programs of many credit unions and other smaller institutions are often outsourced to companies such as major banks (like Bank of America) or other large companies that provide CC services to third parties. Many small institutions don't want to or can't afford to have the CC liability on their books and don't have the staff/expertise to administer a CC program in house. That is not an argument against credit unions or credit union-branded credit cards; it's just a fact of which consumers should be aware.

Since you might end up dealing with a large institution (when "dealing" with a small one), it's probably worth it to consider major banks with which you have a relationship. For instance, at Chase I've had a checking account along with credit cards. I could view all the accounts on the same website and even got extra reward points on my credit card for being a checking customer. I think if you speak with a credit supervisor and point out to them that you also are a savings/checking customer it will help your case.