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Oh My DCU. (Update)

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Anonymous
Not applicable

Re: Oh My DCU.

Congrats!
Message 11 of 20
gdale6
Moderator Emeritus

Re: Oh My DCU.

Grats OP Smiley Happy

Message 12 of 20
l8erg8er
New Contributor

Re: Oh My DCU.

They want to verify my income, I emailed a pay stub, they emailed me back within 5 mins, the pay stub is blurry so I had to rescan and resend...so far an hour later no reply.

Starting Score: Dec 2013 High 500's Across the board
Current Score: Aug 2014 - TU 671, EX 671, EQ - 676

Capital One Venture || $7000 Total Rewards Visa - $6300 || Chase Sapphire - $5000 || DCU Platinum - $5,000 || Barclays Frontier - $3500 || BOA Cash Rewards $1500 || Barclays Carnival Rewards - $1300 || Chase Freedom - $500 || Capital One QuicksiverOne - $500 || Barclaycard Rewards Mastercard - $750 || Capital One Platinum - $1300 || Care Credit - $1000 || Victoria's Secret $900 || Amazon - $400 || Jcrew - $1450 || Overstock Store $1500 || Old Navy - $300
Message 13 of 20
greatness1
Contributor

Re: Oh My DCU.

My thread been hijacked by a another approval? Congrat's but lets keep it seperate please. 5k is a good starting limit

amex bc $15kl amex bce $1.5kl bbva amex $7kl freedom $3.1kl, csp $5.8kl sallie mae $5.7kl venture $7kl citi dc $10kl discover $13kl assoc bank $7kl nasa fcu $18.1kl penfed plat rewards $15kl penfed plat rewards $22kl lowes $17kl walmart $6kl

nasa ploc 17k
Total limit $163,200K
Message 14 of 20
l8erg8er
New Contributor

Re: Oh My DCU.


@greatness1 wrote:

My thread been hijacked by a another approval? Congrat's but lets keep it seperate please. 5k is a good starting limit


What? I am the OP of this thread.

Starting Score: Dec 2013 High 500's Across the board
Current Score: Aug 2014 - TU 671, EX 671, EQ - 676

Capital One Venture || $7000 Total Rewards Visa - $6300 || Chase Sapphire - $5000 || DCU Platinum - $5,000 || Barclays Frontier - $3500 || BOA Cash Rewards $1500 || Barclays Carnival Rewards - $1300 || Chase Freedom - $500 || Capital One QuicksiverOne - $500 || Barclaycard Rewards Mastercard - $750 || Capital One Platinum - $1300 || Care Credit - $1000 || Victoria's Secret $900 || Amazon - $400 || Jcrew - $1450 || Overstock Store $1500 || Old Navy - $300
Message 15 of 20
greatness1
Contributor

Re: Oh My DCU.

lol one to many beers. soory about that, puts on dunce cap Smiley LOL

amex bc $15kl amex bce $1.5kl bbva amex $7kl freedom $3.1kl, csp $5.8kl sallie mae $5.7kl venture $7kl citi dc $10kl discover $13kl assoc bank $7kl nasa fcu $18.1kl penfed plat rewards $15kl penfed plat rewards $22kl lowes $17kl walmart $6kl

nasa ploc 17k
Total limit $163,200K
Message 16 of 20
l8erg8er
New Contributor

Re: Oh My DCU.

Stop celebrating your approvals and pay attention! This is serious stuff here Smiley Wink

Starting Score: Dec 2013 High 500's Across the board
Current Score: Aug 2014 - TU 671, EX 671, EQ - 676

Capital One Venture || $7000 Total Rewards Visa - $6300 || Chase Sapphire - $5000 || DCU Platinum - $5,000 || Barclays Frontier - $3500 || BOA Cash Rewards $1500 || Barclays Carnival Rewards - $1300 || Chase Freedom - $500 || Capital One QuicksiverOne - $500 || Barclaycard Rewards Mastercard - $750 || Capital One Platinum - $1300 || Care Credit - $1000 || Victoria's Secret $900 || Amazon - $400 || Jcrew - $1450 || Overstock Store $1500 || Old Navy - $300
Message 17 of 20
Sunshinebiz
New Contributor

Re: Oh My DCU.

You'll have no issue. DCU likes to verify income and identity regularly for apps, but I've never had any problems. They're great and quick to deal with. 

Gardening spree went on hiatus but I think it paid off. Now back at it!
Building slowly but surely. Thank you to all members of this community for all the invaluable advice.
Latest that I know of: EX- 671, EQ- 653 TU- 648
Amex Green, Barclay Rewards MC, Cap1 Platinum, Cap1 Quicksilver, Credit One(closed!), WalMart, Amazon, DCU Platinum Visa, Jared Credit, Cap1 Spark business cash back, AMEX corporate Gold, Alliant CU Plat Visa, Suncoast FCU Plat Rewards Visa

Goals by end of January: Amex TE Costco, Amex BCE
Can it be done? It wasn't done by end of Jan, but it's still coming
Message 18 of 20
ChargeItPlease
Regular Contributor

Re: Oh My DCU.

Congrats. 

 

DCU gave me my largest limit so far.


Starting Score: 400s (2011) Current: EQ 655 (01-2014) Goal: 700 Last app: 01-01-14. No apps 'til 12-2014!
Message 19 of 20
l8erg8er
New Contributor

Re: Oh My DCU.

Alright..after 3 calls, 2 emails and 1 fax I am good to go! 

 

So here was the problem(s). My company changed names recently and the old one was listed on my EQ CR and of course I put the new one on the app, so they wanted a pay stub showing the new name. Also I put my household income on the app, not my personal income (I didn't know this was wrong?!) so when I sent the pay stub she noticed the HUGE difference and had to change my income on the app and get me "rechecked" for qualification. I was worried, my income is 1/3 of my household income, and since my highest CL right now is $1,000 I was pretty sure she was going to tell me I was out of luck. NOPE she came back in 30 seconds, appologised for all the issues and said my credit card will be at my door in the next 7 to 10 business days!!!!!

 

I'm not excited at this point, I'm still worried and won't be at ease till the card is in my hand!!!

Starting Score: Dec 2013 High 500's Across the board
Current Score: Aug 2014 - TU 671, EX 671, EQ - 676

Capital One Venture || $7000 Total Rewards Visa - $6300 || Chase Sapphire - $5000 || DCU Platinum - $5,000 || Barclays Frontier - $3500 || BOA Cash Rewards $1500 || Barclays Carnival Rewards - $1300 || Chase Freedom - $500 || Capital One QuicksiverOne - $500 || Barclaycard Rewards Mastercard - $750 || Capital One Platinum - $1300 || Care Credit - $1000 || Victoria's Secret $900 || Amazon - $400 || Jcrew - $1450 || Overstock Store $1500 || Old Navy - $300
Message 20 of 20
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