04-11-2013 10:33 AM
I'm on the DCU love wagon with many others. I thought some would find this useful. The rep gave me their cut offs for various rates on their basic DCU Platinum Rewards Visa.
EQ 675 - 11.5% APR
EQ 700 - 9.5% APR
EQ 730 - 8.5% APR - BEST RATE!
Additionally, incase anyone did not know, they do not have a different rate for cash advances. so you could advance yourself a portion of your available credit into your checking account and use that to pay off a balance on something with a much higher rate.
04-11-2013 11:21 AM
15.25% with a 636 eq at the time I want to say .. just have one card better at 13.9% right now and should be able to get a better rate with DCU in the coming months.
04-11-2013 01:04 PM
I'm really trying to stay in the garden but once my report is updated this month it should be over 700. Only thing holding me back is a $2.5k unpaid collection that's due to fall off this summer. Aaaahhh, I know I should wait but I really want that card.
04-11-2013 01:25 PM
I'd wait until it falls off. That's a lot for DCU to overlook IMO
And Lord knows they take long enough to approve you without any negatives!
I was afraid I'd need to send them my firstborn next...
04-11-2013 04:27 PM
Anybody take out a cash advance from them before? Is the interest charged like a regular purchase where you can pay it off before they start charging you interest?
If it's like that I kinda wanna do it to lower my utilization on my Discover before statement closing and then pay the cash advance off on payday.
04-11-2013 04:52 PM
I'm surprised they gave out that kind of information. Good to know.
05-28-2013 10:40 AM
Any chances of knowing when/how often they grant CLI., 3 months, 6 months ?
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