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I was approved for the membership, but before apping for their credit card would like to know how sensitive are they about inquires and whats the lowest aaoa can i get approved with?
I got DCU right at the end of my very first app spree (8 cards)
I just completed my app spree with 4 cards and still waiting on Diners Club to respond, from what i read so far, seems like it can take a while, not exactly sure if i want to go for the Dcu just yet.. how are they on income verification? Because i just got a second job which i would like to include into my income, but still dont have any paystubs to show for..
@Anonymous wrote:I just completed my app spree with 4 cards and still waiting on Diners Club to respond, from what i read so far, seems like it can take a while, not exactly sure if i want to go for the Dcu just yet.. how are they on income verification? Because i just got a second job which i would like to include into my income, but still dont have any paystubs to show for..
They've never asked for Income Verification. In looking at your card line up I am not sure what benefit DCU would provide, is there a particular reason you are considering it?
First reason is that the regular platinum version offers 8.50% So it'll be nice to have a card with such low apr. Second reason is that i heard DCU is generous with their credit limits so hopefully with my new higher income i can obtain a higher line than my current highest.. So once it starts reporting, maybe i can get a few decent credit line increases from my cards which i acquired with my old small income and thin credit history profile
Both are valid reasons.
Ignore the 11.5% rewards card, its garbage as far as rewards cards go.
They did give me highest CLI, which was used as a bumper for the next 3 apps I went for then.
It worked fine, and they're a good CU to have in your pocket. Especially if you're going to go car
shopping, as they have the lowest rates outside of the 0% offers for new cars you'll find. Having 3
product lines with them results in a .25% rate decrease, so its worth getting onboard with them.
They asked me for pay stubs when I applied, but that was because I was also applying for a car loan at that time. I didn't get the lowest APR, I got the middle one, and my score at the time I applied was low 700s (I think 705?). Not sure what their minimum score is, but at that time, I had 5-6 inquiries on EQ (which is what they pull), with the most recent being 4 months prior. Also had a new CC account that was 3-4 months old when I applied for the DCU CC/auto loan and got approved nonetheless.
Yeah, the rewards card is of no use to me, I have all the rewards card I need for every category of my spending,
Thats another good reason why i want to establish a relationship with them is that in the future, might be a place to get a low apr car loan from them.
@aubie1kenobie2 wrote:They asked me for pay stubs when I applied, but that was because I was also applying for a car loan at that time. I didn't get the lowest APR, I got the middle one, and my score at the time I applied was low 700s (I think 705?). Not sure what their minimum score is, but at that time, I had 5-6 inquiries on EQ (which is what they pull), with the most recent being 4 months prior. Also had a new CC account that was 3-4 months old when I applied for the DCU CC/auto loan and got approved nonetheless.
Hmm well i have a few recent inquires on EQ as well as quite a few old ones which still havent fallen off and also a few new accounts, so not sure if i should wait 3-4 months or apply now and getting a deniel for recent inquires and new accounts..