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

Does DCU Visa report to all 3 CRA's?

I was just approved for a DCU Visa and was wondering do they report to TU and EXP as well?  They pulled EQ for both my membership and CC application.


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
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: Does DCU Visa report to all 3 CRA's?

They should. Call them to be sure.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Does DCU Visa report to all 3 CRA's?

Congrats on your approval. the card should report to all 3, but you could always call them to make sure. what kind of credit limit did you receive with DCU, if you don't mind my asking?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Does DCU Visa report to all 3 CRA's?

I was just checking in on another board and I read people saying that they in fact do report to all 3 CRA's.  

 

As for my approval, it was for $7500.  They offered me two different choices of the rewards visa @ 12.5% or the regular visa @ 9.5%.  I took the 9.5% just in case one day I need to carry a balance.  Rewards programs have never really worked out for me so I wasn't swayed by that.  However, thinking back I probably could have took the rewards since I usually PIF.  I guess I wasn't thinking clearly when I hit the accept button.  Oh well Smiley Frustrated


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
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: Does DCU Visa report to all 3 CRA's?

Reward program from CU are usually sub-par at best. If I were you, I would pick low interest card as well.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Super Contributor
Posts: 6,670
Registered: ‎04-07-2008
0

Re: Does DCU Visa report to all 3 CRA's?

Mine reports to all 3

 

Same CL as yours. CU's rewards are not the greatest sometimes.




Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

Re: Does DCU Visa report to all 3 CRA's?

Ha!  Same here with a $7500 CL - looks like that's what they start everyone with... 

 

I took the non-rewards card, too, as I also wanted a semi-low rate in case I ever did have to carry a balance.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

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