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DCU strikes again ! Sweet !

Regular Contributor

DCU strikes again ! Sweet !

After reading so much about DCU here in the community, I decided to apply for membership.

After a few emails and back and forth verification of my ID, I was accepted at the end of April,  the accounts (checking and savings) were funded without issue from my current checking account.

I am in the process of getting my direct deposit transfered to DCU (sorry Chase), as a way to establish a good relationship with them (and be able to get my free monthly FICO score)

Over this past weeked, I pulled the trigger on their VISA Credit card, and I was APPROVED for a $3K TL (not a lot, but higher than my Capital One $1K.)

Even with a public record on my file.

 

I will be recommending DCU to my extended family, co-workers and friends. I see a growing trend with CU's being out, for some of us who mismanaged credit in the past, but have realized that you can turn things around for good. Prime Banks still have some of my attention, specially Discover, Chase and Amex, but my current scores are not there yet.

 

Once again, I feel so grateful with myfico community and its members, as I started re-building and re-educating on credit management last December'12.

I am not so active on posting, but I read every day (while commutting, at work, after work, before going to sleep LOL Smiley Tongue

 

Thanks again !



CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Message 1 of 13
12 REPLIES
Established Contributor

Re: DCU strikes again ! Sweet !

Congrats.. I  agree thanks to Myfico I am also a Member and my CC highest CL is with them.


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage


Alaska Airlines
Message 2 of 13
Contributor

Re: DCU strikes again ! Sweet !

Now that you have a DCU CC, you don't need DD to get your free FICO, however, I've heard great things about their DD and getting your money early.

 

Congrats either way! Smiley Happy



Amex BCE: $16.5k, Discover It: $5k, Chase Freedom Visa: $10k, Fidelity Amex: $7.5k, PenFed Cash Rewards Visa: $3.5k, CapOne Union Plus MC: $4.5k, Barclays Upromise MC: $5k, BoA Cash Rewards 123 MC: $1.5k
Message 3 of 13
Valued Contributor

Re: DCU strikes again ! Sweet !

Congrats!! You'll enjoy the 2 day early DD with them as well.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 4 of 13
Valued Contributor

Re: DCU strikes again ! Sweet !


Rhaeny wrote:

Congrats!! You'll enjoy the 2 day early DD with them as well.


2 day early DD???  That's awesome!!

Congratulations OP!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 5 of 13
Valued Contributor

Re: DCU strikes again ! Sweet !


MsLadyRover wrote:

Rhaeny wrote:

Congrats!! You'll enjoy the 2 day early DD with them as well.


2 day early DD???  That's awesome!!

Congratulations OP!


Yea, the first time it happened I couldn't believe it, but it still holds true to this day Smiley Happy


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 6 of 13
Regular Contributor

Re: DCU strikes again ! Sweet !

Gr8, Congrats. Srags.
Message 7 of 13
Regular Contributor

Re: DCU strikes again ! Sweet !

That's a nice perk, a 2 day early paycheck  ! I will be looking forward to my new card as well !



CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Message 8 of 13
Moderator Emerita

Re: DCU strikes again ! Sweet !

Congrats ! DCU is a great CU. fwiw, the DD thing has never been an issue receiving it early for me and I've been with them since 05
Message 9 of 13
Established Contributor

Re: DCU strikes again ! Sweet !

How does DCU feel about INQ & UT, just for checking/savings acct membership?  (not apping for their card yet)

FICO: EQ 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Message 10 of 13