In this video, I’m walking you through seven credit unions that (in my experience and research) pull Equifax for credit cards—and how you can use that to chase crazy high limits even when your credit is just fair. I rank them with my own scorecard and I break down the actual cards that matter at each credit union: NIHFCU (cap at $25K but steady CLIs every 3–6 months), Highway (solid options depending on whether you want basic low-rate, points, or cash back), Credit Human (low APR focus, no 0% intro games), Fairwinds (travel-heavy Visa Signature with a big bonus vs. a clean unlimited 1.5% cash back option), Logix (two strong 15‑month 0% purchase intros), Service (limits up to $30K on select cards), and PenFed as my #1 pick. Then I get into the part people skip—and that’s why they lose. I explain how I apply: pick the card that matches your profile, check your credit first (because they’re going to), use prequal/soft pull tools when available but don’t confuse that with guaranteed approval, and be extremely responsive if underwriting asks for anything. If you get denied, you don’t sulk—you call, ask why, and use the denial letter to tighten your strategy. And once you get the card, stay responsible: pay balances, keep discipline, and let the tool improve your financial life instead of wrecking it. Stay marvelous.