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Moderator Emerita
Posts: 27,204
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 -
New Contributor
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 Emerita
Posts: 27,204
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 Emerita
Posts: 27,204
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
Posts: 55
Registered: ‎10-10-2012
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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
Posts: 712
Registered: ‎06-11-2012
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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 ;(

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Established Contributor
Posts: 560
Registered: ‎10-22-2012
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Re: DCU Platinum Visa Rates vs. Scores

FINALLY got my FICO from DCU

 

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

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 | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $9,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $15,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000

Frequent Contributor
Posts: 300
Registered: ‎07-15-2012
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Re: DCU Platinum Visa Rates vs. Scores

[ Edited ]

9.5% Smiley Happy 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!! Smiley Happy and the icing on the cake is the free FICOSmiley Tongue

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Established Contributor
Posts: 560
Registered: ‎10-22-2012
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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 | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $9,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $15,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000

Established Contributor
Posts: 560
Registered: ‎10-22-2012
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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 | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $9,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $15,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000

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