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DCU Pending #2 [Membership + CC App]

Moderator Emerita

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

@rushx2112

How long did it take to get your card? And were you already a member?
Message 31 of 58
New Contributor

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


09Lexie wrote:
@rushx2112

How long did it take to get your card? And were you already a member?

Apped CC/Membership Feb 24, approved the next day

 

Message 32 of 58
Frequent Contributor

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

Technically, after today would be one business day. Hopefully, I'll get a response tomorrow. A good one at that. I got approve for the CC which means I am who I say I am. If they hit me with that we for some can't verify your identity, I'm gonna fight tooth and nail until they do. Raise hell until heaven falls! I refuse to waste an INQ over idiocy! When i call early in the morning, I'll see what they say, the only negative news I want to hear is that it's still pending review at most...

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 33 of 58
Moderator Emerita

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

I hope it works out WarJar. FWIW, they have been known (recently ) to deny membership after the cc was approved. I don't know why but that is why I always warn people to get the membership approved before apping. It will suck if they approve you on a CC and you never get it over a denied membership.

Again, I wish you the best.
Message 34 of 58
Frequent Contributor

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

Still pending review right now currently, they said if they need anything else they'll contact me. They said I should hear something by the end of the day.

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 35 of 58
Frequent Contributor

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

Latest I should be getting a response is on Thursday, but I think they were processing my app today according to another CSR I called later so it might be even tomorrow (Wednesday). I sent these guys my paystub and they're still asking for one, smh. Keep your fingers crossed!

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 36 of 58
Moderator Emerita

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

For some reason their membership department has been really tough lately. I wish you luck!
Message 37 of 58
Valued Contributor

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

DCU is a hard pull when you join. I started the process over the phone and was told to give a 10 dollar donation to some charity to become eligible. I did that. I am a mass resident but the nearest DCU branch is not close. It is like 2 hours away so I figured if I really had porblems joining, I would make a pilgrimage to a branch. As it worked out, it was relatively easy to join. Someone told me that they look for a minimum fico score of 580 to join but that is just rumour.

Message 38 of 58
Established Contributor

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

any updates?

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 39 of 58
Valued Contributor

Re: DCU Pending #2 [Membership + CC App]

To those people thinking about joining DCU and apping for their CC. App for membership first, wait for welcome package that includes your member # and then app for the CC.
You have more chances of being approved and chances of a bigger starting CL. I was told this by a CSR when i called.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 40 of 58