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…

This member called Lending to ask about getting a motorcycle loan and was pre-approved. While reviewing his application, I noticed he also had some credit cards with high interest rates so I told him about our Visa Gold/Rewards cards and how low his rate could be.

This member and I have been working together for a long time. One day I was helping him with a transaction, and asked about any credit cards he might have. Turns out he had 18, most of which had been maxed out. This was in addition to a couple of other loans with balances – all totaling a little over $15,000…read more of Ivonne’s story here.

A member I was helping had just opened a union vacation account and I wanted to see where I might be able to save him money. I asked about any auto loans he might have and found out he had a newer vehicle which meant I could lower his rate from 3.55% to 2.99%. Read More of Janis’s Story

I was assisting these members with some fraudulent transactions on their Visa debit card. After getting that all sorted out, we had a discussion regarding the refinancing of their car loans at two other financial institutions to see if we could get them a lower rate and/or payment. Read More of Falana’s Story

At the Tacoma branch one day, ​I started talking to a couple of members about upgrading their Gateway Line of Credit to a regular Visa Credit Card since they had been making regular payments on time for a while. Because of their positive payment history, we could likely get them into a better product. Read More of Emily’s Story

A member came in inquiring about an auto loan that she had with us previously. As I was helping her, I noticed she had our Visa credit card so I asked if she currently had any cards elsewhere. She said that she had lots of balances on cards that I knew would be a higher rate than ours so I told her we could help consolidate her debt.