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Credit Union! Really???

Established Contributor

Credit Union! Really???

So i applied for DCU platinum and got approved for 5k! Unfortunately i took another pull for membership and was denied! So not a good start ... It probably due to my chexsystem that will fall off in 7/2013 .... Ill probably try again until then...i stepped out of the garden after 2 months ... Then i tried my local credit union that i been a member on for 12 years .. they gave me a 2k loc and. $500 cc 8 yrs ago...the credit card was closed due to a few 30 day lates.....sooooo i tried my luck and applied for the same cc and asked for $5k and guess what? They offered $500!!! And said i need to establish history with them....really??? I been a member for 12 yrs, i paid a loc without lates and only booboo i made was the $500 cc that were late a few times.... Wow, this was one of the credit unions that suck!!!


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 1 of 6
5 REPLIES
Valued Contributor

Re: Credit Union! Really???

Does chexsystems show that you owe any money?  If that indeed is the reason for denial then perhaps if you pay it, you may be able to recon with DCU....if that's the only reason.


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 2 of 6
Established Contributor

Re: Credit Union! Really???


Rhaeny wrote:

Does chexsystems show that you owe any money?  If that indeed is the reason for denial then perhaps if you pay it, you may be able to recon with DCU....if that's the only reason.


I think it does...i requested a copy and the denial letter from dcu hasnt arrived yet ..so we shall see... two wasted inquiries ... but hopefully id get approve next time in the future, seems like they give great CLs...


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 3 of 6
Valued Contributor

Re: Credit Union! Really???

Why don't you just call DCU and ask them if chexsystems is the reason for denial?  If so, ask DCU if you clear this up immediately will you still be able to gain membership.   What have you got to lose at this point?  IMO opinion I wouldn't just throw my hands up and let it go since you were obviously approved for the card.  The memberhship is your obstacle so clear that up.


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 6
Established Contributor

Re: Credit Union! Really???

i just hate denials.... i will try to talk to them tomorrow... am just bad at explaining myself over the phone...thats why all my recons were done thru email lol...thats how i got my freedom and my cap ones increases lol


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 5 of 6
Valued Contributor

Re: Credit Union! Really???

Yea I understand that, but goodness you basically have the card in your hand!  You've gotten 2 HP's for it.  

 

Here is the link that you can send them an email about your application and make your plea.

 

DCU loan status


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 6