Reply
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012

DCU Pending #2 [Membership + CC App]

[ Edited ]

I would like to apply for membership online, but I need an organization to join into. Do you have to wait to join a participating organization first, then apply? Or could I do some one-step process online for membership? Thanks.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: I would like to join DCU, need some help..

[ Edited ]

Yea it gives you the option to pick one online when you sign up.  I chose the one for $10 bucks and I did it all at the same time....so yea a one step application.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | 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 ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: I would like to join DCU, need some help..

Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012

Re: I would like to join DCU, need some help..

[ Edited ]

Thanks guys, I found everything. I also stepped out of the garden and applied for the CC. To me another inquiry wouldn't hurt, might as well. Hopefully, they'll call in the morning with some good news. I didn't get an instant approval for the CC, just said that my application is being process and a representative will be with me shortly.

 

Any recommendations on the next steps I could do to facilitate and expedite the process?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
New Contributor
rushx2112
Posts: 119
Registered: ‎03-12-2013

Re: I would like to join DCU, need some help..


WarJar101 wrote:

Thanks guys, I found everything. I also stepped out of the garden and applied for the CC. To me another inquiry wouldn't hurt, might as well. Hopefully, they'll call in the morning with some good news. I didn't get an instant approval for the CC, just said that my application is being process and a representative will be with me shortly.


I don't think they do instant approvals... They'll probably need at least your DL and a utility bill to set up an account

Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012

Re: I would like to join DCU, need some help..

[ Edited ]

rushx2112 wrote:

WarJar101 wrote:

Thanks guys, I found everything. I also stepped out of the garden and applied for the CC. To me another inquiry wouldn't hurt, might as well. Hopefully, they'll call in the morning with some good news. I didn't get an instant approval for the CC, just said that my application is being process and a representative will be with me shortly.


I don't think they do instant approvals... They'll probably need at least your DL and a utility bill to set up an account


They allow you to scan and emailin those documents right?

 

P.S. I got preapproved for a 25k auto loan if that means anything while I was doing the membership app, if it does then I should definitely be eligible for a CC with them you think?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
New Contributor
rushx2112
Posts: 119
Registered: ‎03-12-2013

Re: I would like to join DCU, need some help..


WarJar101 wrote:

rushx2112 wrote:

WarJar101 wrote:

Thanks guys, I found everything. I also stepped out of the garden and applied for the CC. To me another inquiry wouldn't hurt, might as well. Hopefully, they'll call in the morning with some good news. I didn't get an instant approval for the CC, just said that my application is being process and a representative will be with me shortly.


I don't think they do instant approvals... They'll probably need at least your DL and a utility bill to set up an account


They allow you to scan and send in those documents right?


I scanned my DL and my Sprint bill and that was good enough for them

Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

Re: I would like to join DCU, need some help..

Is DCU covered by the FDIC?

 

Also when joining, do they do a Hard pull or soft pull?

 

Thanks.

 

I am looking for a CU to join and I don't qualify for the NFCU. 


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: I would like to join DCU, need some help..

Good luck WarJar. I hope everything goes well for you. Not to be Debbie Downer but some (recently) have been approved for loan products but not the membership. Obviously until your membership is activated they will be a delay on your cc.

If I were you- I would take care of any membership issues ASAP.

Again, Good luck.
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: I would like to join DCU, need some help..

@ PilotDude

DCU is a fully insured CU -NCUA - only banks, savings and loans are FDIC.

Yes, they will pull EQ for membership AND loan products.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+