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DCU Pending #2 [Membership + CC App]

Frequent Contributor

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!

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 21 of 58
Moderator Emerita

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

Congrats on the approval. May I ask what rate you got?
Message 22 of 58
Frequent Contributor

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?

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 23 of 58
Moderator Emerita

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

No, they won't mind.

Still no word on the membership?
Message 24 of 58
Frequent Contributor

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. 

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 25 of 58
Moderator Emerita

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.
Message 26 of 58
Frequent Contributor

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
Message 27 of 58
Valued Contributor

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.....

Message 28 of 58
Frequent Contributor

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.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 29 of 58
New Contributor

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

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

Message 30 of 58