Reply
Valued Member
jbunton444
Posts: 91
Registered: ‎11-04-2010
0

Re: DCU Pending


rightcoast wrote:
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

Now, NFCU, approved no problems.  I'm a member with them for the chance for life.  I guess, even CU's are weird!

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

Yours says declined and then funded. So you didn't get it? But you got the membership?

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

Yea sorry about that jbunton and I would pissed if that happened to me.  For every 100 people that rave about a CC there is always at least one person whose experience doesn't match the others.  Maybe its the luck of which u/w you get, but I know how you feel being on the other end of the stick because I have been there myself with other CC's.  Maybe you could try to recon again and hopefully get someone else who will listen to you.  As for inquiries their stupid system should have caught that first instead of giving you an instant approval and that's what I'd be basing my discussion on as well as your credit history.


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

Re: DCU Pending

Yea I wish I was with NFCU. But the serviceman deserve a good bank. I heard DCU was next besides USAA but I could be wrong now

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:
Yours says declined and then funded. So you didn't get it? But you got the membership?

Correct.  My scores are between 660-697, I don't remember what with each, but I know Equifax is my highest.  Recent inquiries over a month is perhaps five and I explained to them... trying to get rid of smaller cards for more prime/high limits.  But, it's okay, I just won't apply with them again, well at least for awhile.   From what I hear Barclay's is inquiry sensitive too, but those are my longest CC cards prior to NFCU.

 

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


Rhaeny wrote:

Yea sorry about that jbunton and I would pissed if that happened to me.  For every 100 people that rave about a CC there is always at least one person whose experience doesn't match the others.  Maybe its the luck of which u/w you get, but I know how you feel being on the other end of the stick because I have been there myself with other CC's.  Maybe you could try to recon again and hopefully get someone else who will listen to you.  As for inquiries their stupid system should have caught that first instead of giving you an instant approval and that's what I'd be basing my discussion on as well as your credit history.


Ditto, it is what it is.

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 Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: DCU Pending

The DL issue other people have run into.  That's when they have issues verifying your address.  Be prepared to send in utility bills stating that address as well, as others have had.

 

For me, I applied for membership online and got my member number.  I then applied for the auto loan online and used my member number in the field.  I called in an hour later and got approved (660 EQ).  While on the phone with the loan servicing dept, they offered me the VISA, which I had planned on going after as well.  She added that account to my pending loans section and told me to upload my paystub there as well.  I did, and it was funded within 12 hours, I'm currently waiting on it in the mail.  As far as my auto loan goes, I uploaded my paystubs right away, then yesterday uploaded the purchase and sales agreement from the dealer yesterday.  I just received the check today.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

Re: DCU Pending

Those are decent scores so Im very suprised you got denied. I have about 4 recent inquires sooo im a little worried. I was just hoping DCU would be gracious and give me a good CL since "low CL on revolving balances" seems to be a negative me for 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
Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

Re: DCU Pending

I think I may upload pay stubs now since I have the oppurtunity to do so on their site. That way there is no miscommunication there.


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:

Those are decent scores so Im very suprised you got denied. I have about 4 recent inquires sooo im a little worried. I was just hoping DCU would be gracious and give me a good CL since "low CL on revolving balances" seems to be a negative me for me.


Well!  I hope you get the card you so desire!  it's exciting getting a high limit card.  Finally... got mine, NFCU, only $5,000.00 but it's double my highest CL.

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!

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+