DCU Platinum Visa Rates vs. Scores

[09Lexie]

I was told a yr, that it used to be more frequent but the changed it recently. Hopefully, they will change it back! I don't know if its a sp -

[KausticRage]

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@09Lexie wrote:
I was told a yr, that it used to be more frequent but the changed it recently. Hopefully, they will change it back! I don't know if its a sp -

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I got their CC in Dec '12 and got a message that they approved me for an increase in March of '13.  They doubled my limit from 5 to 10K.

Edit: Its nota SP.  They will HP EQ for an increase.

[09Lexie]

@Kaustic

Thanks for the information. I was hoping the 1yr was wrong.

[09Lexie]

@Kaustic

So, they sent you a message it was approved without you asking for it and it was a HP?

[KausticRage]

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@09Lexie wrote:
@Kaustic

So, they sent you a message it was approved without you asking for it and it was a HP?

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It was an invite to apply for a pre-approval increase "of up to 10K".  I took them up on their offer and got the double CLI and the HP to go with it.

[eviLution]

@kaustic

Did you use their CC a lot? What was your spending habit like with it?

I got their CC in Nov 2012 and still no love ;(

[zyzzus]

FINALLY got my FICO from DCU

At 714... I guess I'll wait a bit

[Cali_Credit]

9.5% Love DCU & there Rates! Joined back in Dec 2012 and got a Platinum card with $1500 limit! Refi my Car from 9.5%(Cap 1) to 1.99% in April and asked for a CLI and got 5k!!  I'm planning to buy a house in Feb so after that is done I'll request an increase to 10k as the Rep told me I should be ok to get that Increase after 1 year!! Only thing i wish they would update is there Online banking!! and the icing on the cake is the free FICO

[zyzzus]

Does anyone know if the rate is adjustable (downward) after approval? I am wanting to take the pre-approval for the credit card offers in addition to my vehicle loan. 12k sounds good at 9.5 but would like the lowest

[zyzzus]

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@zyzzus wrote:
Does anyone know if the rate is adjustable (downward) after approval? I am wanting to take the pre-approval for the credit card offers in addition to my vehicle loan. 12k sounds good at 9.5 but would like the lowest

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I spoke to a DCU rep this morning who clarified my question.

DCU REP.: If your credit score increases after the Visa is opened you can request that your credit report is pulled to determine if we are able to lower your rate. There is a $50 fee charged for this.