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Frequent Contributor
racer-x
Posts: 377
Registered: ‎09-16-2012
0

Re: DCU credit card question(s)? UPDATE

[ Edited ]

Hell yeah I did.....$10K at 8.5%.

That beats my local CU which is $3500 CL at 8.99%.

 

and...

 

Discover IT  $1875

Paypl Mastercard $1000

Lowes $650

US Bank Platinum Visa - 7-10 days.  I may call tomorrow.  US is my main bank for crying' out loud.  They'd better do something or I'll pull the plug.

 


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: DCU credit card question(s)? UPDATE


racer-x wrote:

Hell yeah I did.....$10K at 8.5%.

That beats my local CU which is $3500 CL at 8.99%.

 

and...

 

Discover IT  $1875

Paypl Mastercard $1000

Lowes $650

US Bank Platinum Visa - 7-10 days.  I may call tomorrow.  US is my main bank for crying' out loud.  They'd better do something or I'll pull the plug.

 


Very nice......Now stop app for new credit and stay your butt in garden for a long while .....You have enough credit for a whole year lol..................

 

PS: Did DCU pull membership and CC with 2 HP ?


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Frequent Contributor
racer-x
Posts: 377
Registered: ‎09-16-2012
0

Re: DCU credit card question(s)? UPDATE

[ Edited ]

Nicolas - Yeah, I'm finished til I buy my home in mid 2014..  I've been on basically a 10yr journey without credit. but the past 5 yrs have been a total rebuilding of my credit and life for that matter.

I'm a humble guy.  My vehicles are 15-18 yrs. old.  Except for a 2007 Van I bought for $2000 from Craigslist.  (Retail is $9000).  I used that van to secure a loan to pay down that Cap One/Suzuki account that has been killing me with interest and it made my utilization go from 50% to 4%, which opened the door for my success today.

 

My total debt was/is only $9000.  No mortgage, no $ 30K car, no $40K boat.

I am veeeerrrrryyyyy frugal nowadays.  I used to have alot....business owner, work vehicles, motorcycles(still have some), mortgage, $35K car, $35K truck...all at the same time....I self destructed in a sense.  Some of it my fault, alot of it not.

 

We all have our stories....point is, today was a result of patient suffering, enduring, and just living right.  I'm a firm believer if people just get up and go to work everyday, things will fall into place.  I feel I reached a peak of sorts, maybe just a crest of a hill, until I buy that house in the country in 2014.

 

-As far as  the 2 HP's from DCU, i don't know.  I was told to do the app lst online, and once I get the card or am contacted by DCU to become a member, I may or may not get hit with the 2nd HP.  It's possible that there will only be 1 HP, but not certain..

So, if you go for DCU, do the application lst, then do the membership once instructed  or contacted.


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

Re: DCU credit card question(s)? UPDATE

Congrats on the DCU! i got two hp for membership and cc...i got approved for cc then denied on membership....oh well... ill find out the denial in the next few days


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Frequent Contributor
racer-x
Posts: 377
Registered: ‎09-16-2012
0

Re: DCU credit card question(s)? UPDATE

kobe - So how does that work?  Getting a card but being denied membership?  Thought you had to be a member to get a card?

Will they deny you the card now?  What could keep somebody from getting granted membership?


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: DCU credit card question(s)? UPDATE

See this thread about it.

 

http://ficoforums.myfico.com/t5/Credit-Cards/Credit-Union-Really/td-p/1790874


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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