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Moderator
Posts: 26,770
Registered: ‎09-13-2012
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!

Congrats! Make sure you ask about your CS...if its over 700 your rate should be 8.5-9.5%.
Established Contributor
Posts: 539
Registered: ‎10-22-2012
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!


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

Came in here to post this.

 

 

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!


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

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.

Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!


kroberts67 wrote:

Congrats!  Worth the wait, huh?  :smileyvery-happy:


Thanks!!! Yes, it is worth the wait. :smileyhappy: 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.

Valued Contributor
Posts: 1,535
Registered: ‎01-29-2008
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!

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


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Established Contributor
Posts: 755
Registered: ‎08-02-2008
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!

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

FICO: EX: 743 (10/14); TU: 758 (9/14); EQ 721 (9/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 7 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | Macys X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 36 Cards

Holding off apps until the end of the year! Wish me luck!
Regular Contributor
Posts: 143
Registered: ‎09-17-2012
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!


Ron1 wrote:

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

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

 

 

Ron.


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 :smileywink:

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! :smileyvery-happy: -LJ

20 Years & 1 Month Young; Total Income: $53k (Credit History): 1.9 years AAOA: 1.0 years
Fico Scores: Exp: 725 (12/4) EQ: 703 (11/13) TU: 736 (12/6) Total Credit Available: 89k
Wallet: AmEx Plat- NPSL | AmEx BCP $10.5K | BestBuy SC $10k | Duck Card $8k | BoFA CR Plat Plus Sig. $5k | Discover IT $6k | Chase Freedom Sig. $7k | CSP Sig. $5k | USBank Cash+ Sig. $5k | Barclays R MC $5k | Chevron Visa $5k | BR Visa $5k | Walmart Discover $4k | DCU Plat Visa $3k | QuickSilver CR $3k | Macy's Store CC/Macy's Amex $2.5k/$3k | BML $1.2k | Citi Divi Plat Visa $500
Open Loans: Sallie Mae SL: ($5.6k) (Def.) Car Loan (Red Devil FR-S): $20k/33k Remaining -Will Pay Off in 2yrs. Advice Welcomed!
Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!


UFGuy2006 wrote:

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


I had 7 inquiries before applying.

 

 

Ron.

Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!


tray wrote:

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


Thanks!!! 

 

 

Ron.

Frequent Contributor
Posts: 417
Registered: ‎03-23-2013
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Re: WoW!!!! Just got approved for DCU Platinum Visa!!!!!

[ Edited ]

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 :smileyvery-happy:

The Duck Card $7500 - DCU Visa Platinum $7100 - Amex Everyday $5000 - Amex Delta Skymiles $7700 - Amex BCE $2000 - Discover it $2500 - Chase Marriott $5000 - Chase Freedom $3500 - Chase Slate $2000 - Barclay Rewards MC $3300 - Ebates Visa $1800 - Macy's Amex $3000 - Bloomingdale's Amex $3000 - Walmart Discover $6000 - Chevron-Texaco Visa $3300 - PayPal SC $3200 - Home Depot $5000 - and too many other store cards

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