DCU "Preapprovals?" Urgent Reply Required!

[daybreakgonesXe]

Hey guys. So I'm in the process of getting a DCU checking account. I got preapprovals for up to $35,000 for an auto loan (don't need), but also a preapproval of a DCU Visa Platinum Card of up to $5,000.

Many people have mentioned applying for credit products through them is a new hard pull. Does it include these preapprovals, or will it come to the same hard pull?

[Revelate]

AFAIK it's always a HP with DCU.

If you want the tradeline though, I'd still take it; however, looking at your lineup it's just a tradeline for you.

[09Lexie]

has your membership been established ?

[daybreakgonesXe]

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@Revelate wrote:

AFAIK it's always a HP with DCU.

If you want the tradeline though, I'd still take it; however, looking at your lineup it's just a tradeline for you.

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Thanks Relevate! I'll decline for now, especially since it's simply the regular VISA. I already have enough cards at this point in time and don't need any new tradelines! If they were able to match or beat my Sapphire, then MAYBE i would consider it

[daybreakgonesXe]

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@09Lexie wrote:

has your membership been established ?

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Not yet; will this make a difference? Just did a chat with a DCU LiveHelp specialist and she said it would be two "separate transactions" on my credit.

[daybreakgonesXe]

Also, another question; by using a credit card to fund my account and the membership donation, will this count as a cash advance on my credit card? Or simply a transaction?

[Ron1]

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@daybreakgonesXe wrote:

Also, another question; by using a credit card to fund my account and the membership donation, will this count as a cash advance on my credit card? Or simply a transaction?

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It depends on the card you use. I use my debit card when I joined Penfed.

Ron.

[Revelate]

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@daybreakgonesXe wrote:

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@09Lexie wrote:

has your membership been established ?

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Not yet; will this make a difference? Just did a chat with a DCU LiveHelp specialist and she said it would be two "separate transactions" on my credit.

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I don't think so; DCU is a pretty popular CU on the various credit forums because of their free Beacon 5.0 FICO and everyone has reported the same regardless of any path taken.

[daybreakgonesXe]

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@Ron1 wrote:

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@daybreakgonesXe wrote:

Also, another question; by using a credit card to fund my account and the membership donation, will this count as a cash advance on my credit card? Or simply a transaction?

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It depends on the card you use. I use my debit card when I joined Penfed.

Ron.

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Luckily just asked another chat specialist at the same time! It will be put through as a purchase. Good to know!

[09Lexie]

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@daybreakgonesXe wrote:

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@09Lexie wrote:

has your membership been established ?

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Not yet; will this make a difference? Just did a chat with a DCU LiveHelp specialist and she said it would be two "separate transactions" on my credit.

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I asked because others have posted about receiving an approval then not being able to become a member. Barring any membership hiccups they aren't bad - They are a great little CU ( been a member or 7 years) but they are pull happy.