DCU Pending #2 [Membership + CC App]

[WarJar101]

I probably got the low limit due to my limits being within that range, and my relatively young credit profile. Thanks guys!

[09Lexie]

Congrats on the approval. May I ask what rate you got?

[WarJar101]

Oh I forgot to ask them, they didnt tell me. You think they would mind if I called them back for it?

[09Lexie]

No, they won't mind.

Still no word on the membership?

[WarJar101]

Not yet, I applied at midnight last night. I got approved for 11.5% APR for the card though? Good or bad? It's the lowest APR of any of my cards right now. 

[09Lexie]

Looks like you are going in the right direction! IMO, under 10% is excellent, under 13% good. Like you said, your credit profile is thin, so in your case it might be excellent.

[kimmiller112]

Please keep us updated on membership status - I'm curious about this.  I was one of the ones they denied membership to because of problems with verifying my identity even though I sent them my DL, SSC, paystub and utility bill and everything matched with my CR.  I had even gotten an instant approval for a CC with a $7500 CL and told me they would send it as soon as I had my membership number.  I really wanted a CU membership but don't have any local ones in my area and was bummed out that they wouldn't approve my membership. 

[boomhower]

Man this is making it hard not to app.  I said nothing until my derogs fall of this summer.  Got to stick to it.....

[WarJar101]

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@boomhower wrote:

Man this is making it hard not to app.  I said nothing until my derogs fall of this summer.  Got to stick to it.....

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I have no derogs at all, just a few INQs on EQ. Postivie credit history on my side for the last 7 months. So I see no reason to decline me. I'll be calling them on Tuesday to follow up, and Wednesday if I get nothing prior.

[rushx2112]

I finally got my card in the mail from them tonight!