WoW!!!! Just got approved for DCU Platinum Visa!!!!!

[09Lexie]

Congrats! Make sure you ask about your CS...if its over 700 your rate should be 8.5-9.5%.

[zyzzus]

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@09Lexie wrote:
Congrats! Make sure you ask about your CS...if its over 700 your rate should be 8.5-9.5%.

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Came in here to post this.

[Ron1]

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@09Lexie wrote:
Congrats! Make sure you ask about your CS...if its over 700 your rate should be 8.5-9.5%.

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Thanks, Lexie. I picked the Rewards Platinum Visa instead of Platinum Visa. I don't plan to carry any balance. I got it for the fee EQ FICO score.

Ron.

[Ron1]

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@kroberts67 wrote:

Congrats!  Worth the wait, huh?  

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Thanks!!! Yes, it is worth the wait. I wasn't in a hurry. I had a plenty of the card to use. I was out of the country to keep applying for any card.

Ron.

[tray]

Congrats Ron nice limit, the DCU membership wait was worth it  now everything is complete, membership, cc, and free monthly eq score!!!!!!!

[UFGuy2006]

Congrats Ron! Do you recall how many inquiries you had (and age) before applying?

[ReaLiLJ]

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@Ron1 wrote:

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@09Lexie wrote:
Congrats! Make sure you ask about your CS...if its over 700 your rate should be 8.5-9.5%.

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"I picked the Rewards Platinum Visa instead of Platinum Visa. I don't plan to carry any balance."

Ron.

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Yeah that's the only thing I hate about how DCU does their credit cards (can't knock em for it though), hahaha choose the Platinum Visa lower apr, choose the rewards platinum visa and get a higher apr no matter what your score is! Might be lower, then most people who don't have excellent credit, but I don't mind the APR since their so upfront about it, and give you the catch before you pick which card you want! (So you can pick a card that better suits your needs) But since you won't be carrying a balance it really doesn't matter 

Congrats on the limit though, hahahaa I hope I get their soon! But I don't spend that much on that card so I know it won't be anytime soon since they have direct access to what I make every 2 weeks and I don't have justification to get more!  -LJ

[Ron1]

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@UFGuy2006 wrote:

Congrats Ron! Do you recall how many inquiries you had (and age) before applying?

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I had 7 inquiries before applying.

Ron.

[Ron1]

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@tray wrote:

Congrats Ron nice limit, the DCU membership wait was worth it  now everything is complete, membership, cc, and free monthly eq score!!!!!!!

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Thanks!!! 

Ron.

[new_earth]

I had around 15+ inquiries when I got approved for the CC and refi. I did it on the phone though, not online. I was shocked. But I had just cleaned up my report pretty well.

I also had a ton of new cards and very low AAoA, 1 CO and 1 collection at the time. I think it was just my lucky day