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DCU credit card and membership

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adushenka
Valued Member

DCU credit card and membership

I finally decided to add DCU credit card to my portfolio and secure membership for future car loans / morgage.

 

Since all my revolvers offer great rewards but high APR I decided to ask for regular card with no rewards and low APR. I went to local branch and it took 40 mins to become a member and walk out with new piece of plastik in my pocket! Smiley Happy

 

All I needed was a driving licence, no other paper work.  CC limit: 10k, APR 8.5%, no cash advance / transfer fee! They also offered to refinance my car loan but it didn't make much sense for me.

 

It was definitely a good experience. They print VISA cards right on a spot. Now I can use my  rewards cards for purchases I can pay off in full and DCU card if I ever need to carry over some balance.

 

EQ score they got: 749, 4 revolvers, 1 car loan, Average age - 1.5, lenght of credit history: 2.5 years

Message 1 of 12
11 REPLIES 11
coldnmn
Mega Contributor

Re: DCU credit card and membership

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 12
alvon123
Super Contributor

Re: DCU credit card and membership

congrats


Message 3 of 12
JLK93
Established Contributor

Re: DCU credit card and membership

Congrats! Nice CL!

Message 4 of 12
s_haliz
Valued Contributor

Re: DCU credit card and membership

Congrats!!!!!!!!!!!!

TU FICO 850 | EQ FICO 850 I EX FICO 850
Message 5 of 12
Tony275
Valued Contributor

Re: DCU credit card and membership

Congrats!! Love DCU!! Best choice I've every made financially! Wish I was in their area so I could have a local branch!! I'll live with the online banking, though! No issues so far!

Starting Score: (June 2014) TU08: 663 | EQ04: 640 | EX08: 685
Current Score: TU08: 757 | EQ04/08: 757/758 | EX08: 761
Goal Score: 800 across the board

Total Credit Line - $186,050 | Utilization - 16.8%
Message 6 of 12
BUN
Established Contributor

Re: DCU credit card and membership

Congrats!!!

Starting Score : 575 May, 2013
Current Scores: EQ 716 6 INQ TU 745 4 INQ EX 726 3 INQ Last INQ December 2015, In the GC until Jan 2017.
Message 7 of 12
adushenka
Valued Member

Re: DCU credit card and membership

Thank you all!

Message 8 of 12
Scupra
Super Contributor

Re: DCU credit card and membership

Congrats!!!!!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 9 of 12
TheGardner
Valued Contributor

Re: DCU credit card and membership

Nice approval, congrats!

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 10 of 12
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