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Valued Contributor
B335is
Posts: 2,784
Registered: ‎09-22-2012

Re: Duck card approval profiles


DiabolicallyRandom wrote:

Only the Duck and Beaver Cards are open to non-members.  Thats kind of odd because it looks like those two cards have better perks than their member exclusive cards.

 

I already had an NFCU card, so it was just greed and foolishness for me.


So am I technically a member being a Duck card holder?  I like Nice cards :smileyhappy:

Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013

Re: Duck card approval profiles

Lol Nice cards are the best. We may not want to hold our breath about membership though.

Mega Contributor
Creditaddict
Posts: 18,805
Registered: ‎10-23-2007

Re: Duck card approval profiles

Anyone in the 600's apply for this yet?

I love the high limits and all but no one with iffy credit has applied yet so I feel we are not really getting that fair of a gauge on what they don't like.

and even the "holds" I read, I have not seen an actual "denial" yet that needed to be reconed just manual reviews that people rushed the system.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Regular Contributor
Jbb2788
Posts: 161
Registered: ‎10-09-2013

Re: Duck card approval profiles

@ Credit Hoarder- I have been approved for; Chase Freedom, Chase Slate, Discover IT, & I have used the shopping cart trick to get a few just to help UTL. Those cards are; Victoria Secret, Express, and Buckle.

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013

Re: Duck card approval profiles

It seems like not many get instant approvals so the 7-10 day message is no indication what so ever.  When you mess around with their card evaluator it indicates that they may be okay with lower scores.

 

https://www.oregoncommunitycu.org/credit-cards/evaluate-credit-cards

 

I say go for it Creditaddict.  I am really curious as well.

Established Member
anna2005
Posts: 20
Registered: ‎12-14-2012

Re: Duck card approval profiles

[ Edited ]

Instant approved for $15k
EQ pulled score 736 
AAoA 4 years 10 month
No negs 

 

I got card today. swt.

$149,000 IN TOTAL CREDIT LINES
$18,000 Amex BCE | $15,100 Citi Dividend | $15,000 Duckcard | $11,000 Discover More | $10,000 BoA Cash Sig | $10,000 BoA Better Balance | $10,000 DCU | $9,700 Citi Forward | $9,000 Walmart Discover | $8,000 Chase Freedom sig | $8,000 Penfed Platinum | $5,000 Chase sapphire sig | $5,000 Paypal Extras | $5,000 Citi Bestbuy | $4,000 Chase Amazon | $2,200 Barclay Rewards | $2,000 JCB | $2,000 Penfed cash | EX 762 | TU 870B | EQ 747| sesame 765 | credit.com 762 | karma 682
Mega Contributor
Creditaddict
Posts: 18,805
Registered: ‎10-23-2007

Re: Duck card approval profiles


DiabolicallyRandom wrote:

It seems like not many get instant approvals so the 7-10 day message is no indication what so ever.  When you mess around with their card evaluator it indicates that they may be okay with lower scores.

 

https://www.oregoncommunitycu.org/credit-cards/evaluate-credit-cards

 

I say go for it Creditaddict.  I am really curious as well.


I'm currently waiting on Infiniti to update my lease turn in.... I paid it.

I just pulled EX and it shows paid but the lates are still reported but they are giving a score of 687 "plus score"

EQ is what I need updated, it's what everyone keeps pulling!!! Navy, this Duck Card, I think my FNBO also and I want to update Cap1

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013

Re: Duck card approval profiles

Yeah, they seem to be pulling equifax for everyone. When Jbb2788 gets their results back maybe we will have a bit more to go on.  I have a feeling they are going to be a fairly loose and generous lender.  These seem like some fairly high limits to be giving out to non-members.

Frequent Contributor
Credit-hoarder
Posts: 499
Registered: ‎08-30-2013

Re: Duck card approval profiles

I'm tempted-BELIEVE ME...but with 8 fairly new accts. I have to carefully weigh the pros and cons. I still have AA to consider. Not saying I will-but not saying I won't.

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: Duck card approval profiles

I'm hoping that they're lenient on util, which I haven't seen yet. It seems everyone who has been approved has had really low util. And one person said they needed to recon because of over 20% util on their CR. My util will be at around 22-25% after my CR updates this next week, so I am thinking about apping then. But if util is an issue, mine may be too high for them.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!


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