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DCU Platinum Visa Rates vs. Scores

Established Contributor

DCU Platinum Visa Rates vs. Scores

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.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
33 REPLIES
Moderator Emerita

Re: DCU Platinum Visa Rates vs. Scores

Yes, count me in on that love wagon! My rate is 9.5% and I'm happy with it! 😊
Contributor

Re: DCU Platinum Visa Rates vs. Scores

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.

EX 690 (Credit.com 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700


Valued Contributor

Re: DCU Platinum Visa Rates vs. Scores

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. 

Moderator Emerita

Re: DCU Platinum Visa Rates vs. Scores

I'd wait until it falls off. That's a lot for DCU to overlook IMO
Contributor

Re: DCU Platinum Visa Rates vs. Scores


09Lexie wrote:
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...



Amex BCE: $16.5k, Discover It: $5k, Chase Freedom Visa: $10k, Fidelity Amex: $7.5k, PenFed Cash Rewards Visa: $3.5k, CapOne Union Plus MC: $4.5k, Barclays Upromise MC: $5k, BoA Cash Rewards 123 MC: $1.5k
Moderator Emerita

Re: DCU Platinum Visa Rates vs. Scores

Established Contributor

Re: DCU Platinum Visa Rates vs. Scores

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.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Contributor

Re: DCU Platinum Visa Rates vs. Scores

I'm surprised they gave out that kind of information.  Good to know.

Top 3: Amex BCP 25k - Chase Sapphire 17.5k - PSECU 20K


Starting Score: 714
Current Score: 759
Goal Score: 800

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Regular Contributor

Re: DCU Platinum Visa Rates vs. Scores

Any chances of knowing when/how often  they grant CLI., 3 months, 6 months ?

 



CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)