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Regular Contributor
Posts: 164
Registered: ‎10-09-2013
0

Getting Approved at DCU?

[ Edited ]

How hard is it to get approved at DCU? I was approved for a Visa Sig today with a $6000 CL but didn't realize that I also had to be approved into the credit union. How hard is it to get in? Now that I've checked the place out I really want to get in. I'm currently paying almost 11% ARP on my Toyota truck right now and DCU has loans as low as 1.99%...I'm getting WAXED by Toyota Financial Services!! 

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: Getting Approved at DCU?

It's not difficult but they can get picky with id verifications. You need to apply and they will pull your CR, until then the cc will be on hold.
Regular Contributor
Posts: 164
Registered: ‎10-09-2013
0

Re: Getting Approved at DCU?

Bump..anyone else have anything?
**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: Getting Approved at DCU?

Established Contributor
Posts: 556
Registered: ‎08-30-2013
0

Re: Getting Approved at DCU?

@jbb2788: So you app-ed for and were approved for the Visa card without being a member?

Regular Contributor
Posts: 164
Registered: ‎10-09-2013
0

Re: Getting Approved at DCU?

@Credithorder Yes but They asked for income verification so I'm thinking I'll have to send that in before they approve me for membership? Has anyone ever been denied membership?
**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
Posts: 556
Registered: ‎08-30-2013
0

Re: Getting Approved at DCU?

I'm not a member either so I couldn't tell you. But I was looking at their site (DCU) this morning and thought you had to already be a member to apply for cards-just like most other CU's. Maybe they'll let you in. Good luck.

Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: Getting Approved at DCU?

Yes, plenty have which is why it's strongly recommended to become eligible first. Their credit card department is separate from their membership dept. Asking for income verification is for the credit card division only.

Most CUs require membership before any lending products will be finalized.
Regular Contributor
Posts: 164
Registered: ‎10-09-2013
0

Re: Getting Approved at DCU?

Well I didn't see a application for the credit union membership application anywhere so I went ahead and applied for the credit card. I think it is weird that they approved me for the card without being a member first. I understand that they will put the card on hold until I become a member. 

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: Getting Approved at DCU?

I thought the app asked for a membership Id- regardless, you'll find very few CUs that will allow cc's/banking without the collection of 'dues'
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