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09Lexie
Posts: 26,592
Registered: ‎09-13-2012
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Re: DCU Platinum Visa Rates vs. Scores

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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KausticRage
Posts: 55
Registered: ‎10-10-2012
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Re: DCU Platinum Visa Rates vs. Scores

[ Edited ]

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 -

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.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Moderator
09Lexie
Posts: 26,592
Registered: ‎09-13-2012
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Re: DCU Platinum Visa Rates vs. Scores

@Kaustic

Thanks for the information. I was hoping the 1yr was wrong.
Moderator
09Lexie
Posts: 26,592
Registered: ‎09-13-2012
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Re: DCU Platinum Visa Rates vs. Scores

@Kaustic

So, they sent you a message it was approved without you asking for it and it was a HP?
New Contributor
KausticRage
Posts: 55
Registered: ‎10-10-2012
0

Re: DCU Platinum Visa Rates vs. Scores

[ Edited ]

09Lexie wrote:
@Kaustic

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

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.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
0

Re: DCU Platinum Visa Rates vs. Scores

@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 ;(

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Established Contributor
zyzzus
Posts: 539
Registered: ‎10-22-2012
0

Re: DCU Platinum Visa Rates vs. Scores

FINALLY got my FICO from DCU

 

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

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Regular Contributor
IECredit
Posts: 217
Registered: ‎07-15-2012
0

Re: DCU Platinum Visa Rates vs. Scores

[ Edited ]

9.5% :smileyhappy: 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!! :smileyhappy: and the icing on the cake is the free FICO:smileytongue:

Current Score:TU 717(Walmart 1/9/14) / EQ 766(DCU Monthly 1/28/14) EX Fico 723(MyFico 9/15/13)
Goal Score: All above 800
Wallet: PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix 10,000 | Chase Freedom $1,000 | Discover $3,600 | WalMart $7,500 | Paypal MC $6,000 | Cap 1 QuickSliver $6,000 | Barclay NFL $3,400 | Best Buy $1,000 | Cap 1 Venture $6,000 | 11 Accounts $63,500 Revolving
Established Contributor
zyzzus
Posts: 539
Registered: ‎10-22-2012
0

Re: DCU Platinum Visa Rates vs. Scores

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

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Established Contributor
zyzzus
Posts: 539
Registered: ‎10-22-2012
0

Re: DCU Platinum Visa Rates vs. Scores


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

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.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000


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