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Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

DCU Pending

DCU has a pending notification for my membership app and CC app... They asked for a copy of my license so I sent it over for the savings application. Nothing as of yet with CC app as they told a representative would be in contact with me... Im thinking maybe I should of signed up for checking too? Does that matter?

 

Is anyone familiar with the DCU applications

 

Thanks


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: DCU Pending

[ Edited ]

They never asked me for ID so I'm not sure about the steps, but certainly pick up the phone and call them.  You know how stuff can slip through the cracks!

 

EDIT:  I just thought about something.  My account was pending as well for awhile until they actually received the money from my other account.  I signed up on a Saturday and I think I used my debit card for the deposit, but anyway my account wasn't set up until Wednesday when they were sure that the funds had cleared.  They also told me that my CC wouldn't be sent out until the funds were cleared up as well.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012
0

Re: DCU Pending

[ Edited ]

Sunday, I applied online and was instantly approved for $10k Visa.

I also received an email stating that somebody would be in contact with me.

 

Monday, I received an email stating that I need to complete my membership or start a membership.

I did so by joining/donating to one of their affiliated organizations.

I was also asked to send a photocopy of my I.D.

ALmost forgot, I did set up a checking and savings and put $50 in the checking via debit card.

 

Tuesday, received another email saying my photocopy of I.D. was too small.  So I sent another.

 

Wednesday, received an email saying congratulations on my new membership.

said I would receive all my membership info in 7-10 days.

And, it also said "If you are looking to finalize a loan or Visa application, you may contact our loan dept at xxxxxxxxxx."

 

So I called them on my lunch today because I wasn't sure if there was something else that I had to do on my end.

And unbeknownst to me, there was.  They needed to see my last check stub.  Nobody from DCU had told me that.

It wasn't a problem, but I'm just wondering if they were going to contact me and let me know that they needed that pay stub?

 

Don't know if that helps your situation...but that 's the process I went through.

 

So I'm guess/hoping I'll receive an email tomorrow telling me my VISA is on its' way.

 


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: DCU Pending

Yea they don't send an email saying that your card is on the way.  But I did recieve the card within a week of the CC approval.  I think the major CC's send a notification like Discover and Amex, not DCU.  It just comes in a plain envelope regular snail mail.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | 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 ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Member
jbunton444
Posts: 91
Registered: ‎11-04-2010
0

Re: DCU Pending

I'm a member; was approved for $7,500.00 online, joined -- loan status funded.  My only stip was pay stub, scanned sent them in, got a call like they said i would -- declined, decision reversed, too many inquiries of recently.  I said, well I'm a member now, thanks, and to reverse after a stip has been met is frustrating, perhaps you should trust you're online system or disbar it.

 

My two cents; never apply again.

 

Josh

Gardening since 6-28-2013
Barclay's iTunes: $3,500 | Travelocity Amex $3,350.00 | USAA $7,000.00 | Chase Freedom: $2,000.00 | Discover IT $1,000.00 | NFCU cashRewards Visa $22,500.00 | NavCheck $12,500.00 | USAA $7,000.00 | JCP $3,000.00 | Macy's $2,200.00 | Sam's Club $1,100.00 | Care Credit: $3,300.00 | Carson's $5,250.00 | Wal*Mart $1,500.00 | Various others... can't remember most store cards --- Long journey to HERE -- keep up the good fight!
Valued Member
jbunton444
Posts: 91
Registered: ‎11-04-2010
0

Re: DCU Pending


jbunton444 wrote:

I'm a member; was approved for $7,500.00 online, joined -- loan status funded.  My only stip was pay stub, scanned sent them in, got a call like they said i would -- declined, decision reversed, too many inquiries of recently.  I said, well I'm a member now, thanks, and to reverse after a stip has been met is frustrating, perhaps you should trust you're online system or disbar it.

 

My two cents; never apply again.

 

Josh


And to verify it's the truth, from track my loan status:

 

Your Credit Card LoansEntry TimeLoan StatusActions
View LoanEdit LoanView DocsSend Message
#XXXXX1712/13/2012 
10:46:34 PM
DECLINED 
FUNDED
Gardening since 6-28-2013
Barclay's iTunes: $3,500 | Travelocity Amex $3,350.00 | USAA $7,000.00 | Chase Freedom: $2,000.00 | Discover IT $1,000.00 | NFCU cashRewards Visa $22,500.00 | NavCheck $12,500.00 | USAA $7,000.00 | JCP $3,000.00 | Macy's $2,200.00 | Sam's Club $1,100.00 | Care Credit: $3,300.00 | Carson's $5,250.00 | Wal*Mart $1,500.00 | Various others... can't remember most store cards --- Long journey to HERE -- keep up the good fight!
Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

Re: DCU Pending

Interesting. I was not instantly approved for the CC. After the app it saida rep will be in contact with me. I apped for the membership first on which they stayed they needed a copy of my License.. Still haven't heard anything but I'm assuming I will find out tomorrow when they open?

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

Re: DCU Pending

Thanks for commenting and I'm sorry for the late response! I'm staying positive about the apps though since I have heard they work with rebuilders

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Valued Member
jbunton444
Posts: 91
Registered: ‎11-04-2010
0

Re: DCU Pending


rightcoast wrote:
Interesting. I was not instantly approved for the CC. After the app it saida rep will be in contact with me. I apped for the membership first on which they stayed they needed a copy of my License.. Still haven't heard anything but I'm assuming I will find out tomorrow when they open?

I hope you get approved!

Gardening since 6-28-2013
Barclay's iTunes: $3,500 | Travelocity Amex $3,350.00 | USAA $7,000.00 | Chase Freedom: $2,000.00 | Discover IT $1,000.00 | NFCU cashRewards Visa $22,500.00 | NavCheck $12,500.00 | USAA $7,000.00 | JCP $3,000.00 | Macy's $2,200.00 | Sam's Club $1,100.00 | Care Credit: $3,300.00 | Carson's $5,250.00 | Wal*Mart $1,500.00 | Various others... can't remember most store cards --- Long journey to HERE -- keep up the good fight!
Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

Re: DCU Pending

Thanks! I have only heard good stories until just now. Kinda paranoid now. May I ask what you scores were. I do have recent inquiries so that worries me

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL

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