I was working with a member who was pre-approved for a Visa Credit Card – when I told him about it, he said he already had enough cards so I made sure he knew about our 1% Balance Transfer Rebate. He became very interested and agreed to proceed with the application. During our conversation, I found out he had an auto loan, so I told him we could also look into refinancing it at a lower rate and maybe even a lower payment…

In December this member came in to see about getting a credit card due to some unexpected medical expenses in his family that were starting to add up. We processed an application for a Visa Gold and he was approved for a $500 limit – while this helped, it was not quite what he was looking for…

Telling this story made me realize how much we can change a member’s life simply by taking a few moments to ask some questions and see what we can do to help. This member originally called to apply for a higher amount on his personal loan because he needed funds to pay a bill. I submitted the application and it was approved – while I was reviewing his overall financial situation I noticed a loan with a lender that I knew would have a high interest rate…

Back in August, I helped these members with an auto loan refinance and found out they had over $70,000 in combined credit card debt so I immediately wanted to help improve their financial situation.

Back in July I had a great conversation with this member about refinancing his auto loan with us; the payments were pretty high and I was hoping we could help him save some money. A couple weeks passed, so I sent a follow-up card and shortly after that the Mr. and Mrs. walked into the Kent branch with my card in hand and we started the application.

While assisting this member with his auto refinance, we were having a great conversation about how we appreciated his business and that we do what we can to save our members money whenever possible. After processing his loan application, I asked about other ways we could assist him.

When I called this member to make sure her account is working for her, I noticed she had opened a Gateway Line of Credit more than a year ago. I thought it would be a great idea to see if we could get her into a Qualstar Visa instead. As we were chatting, I noticed she already had a Visa, but it was on another account. That got us talking about what other kinds of debt she had. She explained she had two credit cards, each “with very high interest” and balances totaling almost $11,000! I told her I would love to see what we could do to help get rid of those high rates. We did an application and her credit was excellent— there was no need for her to be paying high interest on anything, so I offered to do a loan review for her. Her monthly payments were over $500 and that was making the minimum so her balances weren’t really going down.

I reached out to this new union member to go over his Vacation account. We touched base on all the different features and services Qualstar offers to our Union members and, after ordering him a check card, I asked about few things I noticed while reviewing his membership application.

While helping this member with a transaction, I told him he was qualified for a Gateway Line of Credit and asked if he would be interested in submitting an application. He explained he wasn’t able to communicate in English very well, and even though no one in the branch spoke his language I was determined to help with his financial needs.

I met this member’s husband a few different times at the Seattle branch. We chatted about how to improve he and his wife’s financial situation, but he said his wife did all the financials and I should talk to her. Well one day, in walks the Mrs…