How high is your DCU limit?

[jsickz32]

Also i dont know other banks but bofa bill pay is not for the same day. I authorize the payment on the 6th but the earliest the payment could be made was the 11th. Keep that in mind so your payment is not late

[MountainHiker]

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@MustangSaluki wrote:

I was at $10K for a while before the CLI bug hit me over the 2-3 months. I was given the full $20k I requested during a 5 minute call. No pay stubs etc but that is because they are my primary bank with direct deposits set up over the last few years. Score was 802 at the time of call. 

Wife had to provide pay stubs when she called a few months ago. 

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DFCU seem very generous with credit limits. $20K is an outstanding tool for spending habits and ult concerns.

[AF_23]

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@jsickz32 wrote:
Also i dont know other banks but bofa bill pay is not for the same day. I authorize the payment on the 6th but the earliest the payment could be made was the 11th. Keep that in mind so your payment is not late

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Its 2 business days. If you arrange it on a Thursday it will arirve Mon

[MountainHiker]

WoW, DFCU really does give nice credit limits. I talk to a person today that has a $40K limit. I'd be thrilled with just half of that.

[Rhaeny]

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@MountainHiker wrote:

WoW, DFCU really does give nice credit limits. I talk to a person today that has a $40K limit. I'd be thrilled with just half of that.

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Who is DFCU?

But if you mean DCU then I was approved for $7500 2 months ago...and thats with a bk.

[MountainHiker]

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@Rhaeny wrote:

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@MountainHiker wrote:

WoW, DFCU really does give nice credit limits. I talk to a person today that has a $40K limit. I'd be thrilled with just half of that.

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Who is DFCU?

But if you mean DCU then I was approved for $7500 2 months ago...and thats with a bk.

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Yes DCU. $7500 is a very good starting limit and especially with a BK. Did they ask you how much you wanted or did they determine your limit? If I may ask, what documents did they request?

[Rhaeny]

No they didn't ask me how much I wanted.  But I will tell you when I saw that instant approval for $7500 I was in shock 

I literally sat there and just stared at the screen because I wasn't sure I was believing what my eyes were seeing.  

As for docs....they didn't ask me for one thing at all.  Even when I applied for and was approved for an auto loan they didn't ask me for any docs.  I didn't take the loan with them but to be honest, I didn't even think about the fact that they didn't ask for any docs.  It seems kind of hit or miss on that.

[MountainHiker]

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@Rhaeny wrote:

No they didn't ask me how much I wanted.  But I will tell you when I saw that instant approval for $7500 I was in shock 

I literally sat there and just stared at the screen because I wasn't sure I was believing what my eyes were seeing.  

As for docs....they didn't ask me for one thing at all.  Even when I applied for and was approved for an auto loan they didn't ask me for any docs.  I didn't take the loan with them but to be honest, I didn't even think about the fact that they didn't ask for any docs.  It seems kind of hit or miss on that.

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Nice deal. They did ask me how much I wanted and to be honest the response I gave them was based on caution.I said $3K when I should have ask for a number similar to yours.My scores were high enough I think.  Live and learn. I'll wait till the three month mark then request an increase up to $10K and see what they say. I guess a indicator of what I could have gotten was the auto loan they offered me. I didn't take it because my new auto lease is pretty good.

[MountainHiker]

If my credit scores,income are up to snuff ,would it be too much to ask for a bump up to a $9-10K credit limit by my third month? Currently at $3K and they did ask me how much I wanted. I was too cautious think I short changed myself. They offered me an auto loan as well. Any opinions? Should I go for the higher credit limit after three months or wait till 6 months? Is it a hard pull and do DCU do automatic increases after 6 months?  Thanks

[MountainHiker]

Does DCU offer the option to apply for CLI online?