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DCU Platinum Visa Rates vs. Scores

Moderator Emerita

Re: DCU Platinum Visa Rates vs. Scores

Thanks for the update! Wonder if you can use the same HP for a CLI? Smiley Wink
Message 21 of 34
Valued Contributor

Re: DCU Platinum Visa Rates vs. Scores

This is a great thread!

 

Thank you all for the info. I will remember this when I come out of the garden in 2014.

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 22 of 34
Established Contributor

Re: DCU Platinum Visa Rates vs. Scores


09Lexie wrote:
Thanks for the update! Wonder if you can use the same HP for a CLI? Smiley Wink

I like the way you think Lexie!

 

I will find out and update you Smiley Happy

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 23 of 34
Moderator Emerita

Re: DCU Platinum Visa Rates vs. Scores

Message 24 of 34
Super Contributor

Re: DCU Platinum Visa Rates vs. Scores

Just a heads up. With DCU the same HP can be used for any products up to 30 days. That's what I was told last year when I did a refi on two cars and got a credit card also.




Message 25 of 34
Moderator Emerita

Re: DCU Platinum Visa Rates vs. Scores

Then is it possible to ask for a CLI and APR reduction to avoid the $50 fee?
Message 26 of 34
Super Contributor

Re: DCU Platinum Visa Rates vs. Scores


09Lexie wrote:
Then is it possible to ask for a CLI and APR reduction to avoid the $50 fee?

Pretty sure it is. What's your APR right now?

 

I have the rewards card and my APR is around 11 something




Message 27 of 34
Moderator Emerita

Re: DCU Platinum Visa Rates vs. Scores

Message 28 of 34
Frequent Contributor

Re: DCU Platinum Visa Rates vs. Scores

This is all good info to know as I plan to join DCU in a year once I have less inqs on my EQ report.

Message 29 of 34
Established Contributor

Re: DCU Platinum Visa Rates vs. Scores

I pulled the trigger.  Plat rewards $12,000 limit @ 9.5

 

I believe the way to adjust the limit would be to request a CLI and then also a reduction at the same time

 

<3

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 30 of 34