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Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

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

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

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)
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

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

Congrats on the approval. May I ask what rate you got?
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

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

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

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)
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

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

No, they won't mind.

Still no word on the membership?
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

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

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. 

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)
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

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

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.
Frequent Contributor
Posts: 473
Registered: ‎04-09-2012
0

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

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. 

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
0

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

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

Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

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


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.....


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.

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
Posts: 119
Registered: ‎03-12-2013
0

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

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

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