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Duck card/Oregon community credit union credit card

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newyearnewcredit
Contributor
‎02-16-2014 06:43 AM
‎02-16-2014 06:43 AM

Duck card/Oregon community credit union credit card

Ok guys... I decided to try my luck. Scores across boards are 618ep 626eq 635tu. 30 inquiries( from what I hear they really don't care about. I've seen people on here applying with 50-60 inquiries) and I make 46,000 a year. When I applied. I didn't get a denial. It prompted me to ask some questions about my identity and it gave me a "pending" notification. Any one with my credit profile had any luck applying with this company? Any thoughts appreciated. I'm hoping to get some of the luck that others a have gotten on here!
(714)EQ (712)EX (722)TU
AMEX Plat NPSL/ NFCU CashRewards $17300/Discover It $3000/AMEX Delta Gold $1000/Americas First Federal Credit Union $1000/Capital One Quicksilver $13500/Macys Gold $7000/Belk $1800/Bloomingdales $1500/ Amazon $2370/Cheveron $1800/Banana Republic $1800/Walmart MasterCard $1800/ Bancorp South $$3000/Regions $3000
Message 1 of 11
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dbutterworth1988
Established Member
‎02-16-2014 07:15 AM
‎02-16-2014 07:15 AM

Re: Duck card/Oregon community credit union credit card

Hi,

 

according to an underwriter your score has to be atleast 640. That is what she told me when I had the problem with them not finding my application (For some reason my application disappeared). But maybe you will be lucky Smiley Happy

 

Good luck

Message 2 of 11
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newyearnewcredit
Contributor
‎02-16-2014 07:17 AM
‎02-16-2014 07:17 AM

Re: Duck card/Oregon community credit union credit card

Who do they pull? Do you know?
(714)EQ (712)EX (722)TU
AMEX Plat NPSL/ NFCU CashRewards $17300/Discover It $3000/AMEX Delta Gold $1000/Americas First Federal Credit Union $1000/Capital One Quicksilver $13500/Macys Gold $7000/Belk $1800/Bloomingdales $1500/ Amazon $2370/Cheveron $1800/Banana Republic $1800/Walmart MasterCard $1800/ Bancorp South $$3000/Regions $3000
Message 3 of 11
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Creditaddict
Legendary Contributor
‎02-16-2014 07:25 AM
‎02-16-2014 07:25 AM

Re: Duck card/Oregon community credit union credit card

@newyearnewcredit wrote:
Who do they pull? Do you know?

EQ

Message 4 of 11
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newyearnewcredit
Contributor
‎02-16-2014 07:30 AM
‎02-16-2014 07:30 AM

Re: Duck card/Oregon community credit union credit card

Well I can kiss that goodbye lol
(714)EQ (712)EX (722)TU
AMEX Plat NPSL/ NFCU CashRewards $17300/Discover It $3000/AMEX Delta Gold $1000/Americas First Federal Credit Union $1000/Capital One Quicksilver $13500/Macys Gold $7000/Belk $1800/Bloomingdales $1500/ Amazon $2370/Cheveron $1800/Banana Republic $1800/Walmart MasterCard $1800/ Bancorp South $$3000/Regions $3000
Message 5 of 11
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coldnmn
Mega Contributor
‎02-16-2014 07:58 AM
‎02-16-2014 07:58 AM

Re: Duck card/Oregon community credit union credit card

Did you do it online? I thought they quit taking applications online.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
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yudeology101
Senior Contributor
‎02-16-2014 08:11 AM
‎02-16-2014 08:11 AM

Re: Duck card/Oregon community credit union credit card

@newyearnewcredit wrote:
Well I can kiss that goodbye lol

Well give them a call and keep us updated on the results.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
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notfancy
Valued Contributor
‎02-16-2014 09:00 AM
‎02-16-2014 09:00 AM

Re: Duck card/Oregon community credit union credit card

from other posts that I read, it seems that they did re-activate their apply online option but they're pretty much closed to people that live outside of Oregon. I saw people getting denied with scores in the 700s.

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
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Creditaddict
Legendary Contributor
‎02-16-2014 09:02 AM
‎02-16-2014 09:02 AM

Re: Duck card/Oregon community credit union credit card

@newyearnewcredit wrote:
Well I can kiss that goodbye lol

What's odd though is the system triggered the security questions and sent for review over a flat denied so that seems like a 640 or what ever isn't the magic number but I actually thought it was something closer to the 690 before we overwhelmed them with thousands of apps Smiley Tongue

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coldnmn
Mega Contributor
‎02-16-2014 09:07 AM
‎02-16-2014 09:07 AM

Re: Duck card/Oregon community credit union credit card

@notfancy wrote:

from other posts that I read, it seems that they did re-activate their apply online option but they're pretty much closed to people that live outside of Oregon. I saw people getting denied with scores in the 700s.

It got me curious. So I googled it and they have a new online application web site.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
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