Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 59
Registered: ‎05-06-2012
0

Re: How high is your DCU limit?

I have 2 chase cards that are over 30k each. An Amex at 15k, and Ameriprise at 15k also. DCU is great. Lower  aprs than other banks.  Income is over 130k. They did ask for income stubs though. I hardly use the card. I got the one with no rewards...

American Express Blue | American Express PRG | Barclays Apple Financing Visa | Citi AAdvantage Visa Signature | Discover More | JP Morgan Palladium | Ameriprise World Elite Mastercard | Chase Sapphire Preferred

Regular Contributor
Posts: 207
Registered: ‎07-07-2008
0

Re: How high is your DCU limit?

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. 

Established Member
Posts: 32
Registered: ‎11-20-2012
0

Re: How high is your DCU limit?

I'd like to hear some more feedback on the pay-stubs part. Does anyone know if there's a specific criteria for pay-stubs (lower income, no checking/savings account with them etc)?

Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

Re: How high is your DCU limit?


hussain99 wrote:

I'd like to hear some more feedback on the pay-stubs part. Does anyone know if there's a specific criteria for pay-stubs (lower income, no checking/savings account with them etc)?


That is a good question. I wonder if DFCU gives hefty CLI's compared to other CU"s? I would like to double or maybe tripple my CL in the next 3 months. I also wonder if CLI's require a hard pull?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
Posts: 1,511
Registered: ‎09-14-2012
0

Re: How high is your DCU limit?

I was not asked for paystubs on a $10,000 limit. 

Never take credit personally

NFCU cashRewards $25,000; BofA Business Cash Rewards $20,000; Amex Business Platinum; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $18,600; Citi DC $12,900; Capital One Venture $15,000; Penfed Platinum Sig $5,000; Barclay Arrival Plus WEMC $15,000; Barclays Hawaiian Air Biz $20,000; US Bank PLOC Overdraft $1,500; PenFed PLOC $20,000

Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

Re: How high is your DCU limit?


sccredit wrote:

I was not asked for paystubs on a $10,000 limit. 


I'm starting to think that credit union cards are far superior to that of Bank credit cards in terms of superior customer service and benefits and rewards equal to bank cards, and lower interest rates. I use to think very highly of American Express but I now see their services as inferior because many of their phone reps are in foreign countries(frustrating) and they monitor(softing) their customers as if the account might go into default at any moment. In the past I did not see the value in having a credit union card but I am now a convert.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
Posts: 1,988
Registered: ‎06-25-2012
0

Re: How high is your DCU limit?

just a little heads up...if you dont got checking with them then the only way to pay your credit card it thru your banks bill pay or western union

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: How high is your DCU limit?


jsickz32 wrote:

just a little heads up...if you dont got checking with them then the only way to pay your credit card it thru your banks bill pay or western union


how do i set up bill pay? what do i put for "full account number"? is that my member number or do i put in the cc number?


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

Re: How high is your DCU limit?


jsickz32 wrote:

just a little heads up...if you dont got checking with them then the only way to pay your credit card it thru your banks bill pay or western union


Excellent heads up.I went after saving & checking. I like that DFCU is more considerate in evaluating credit reports that have a few dings on them.I have one remaining ding on my report and they were kind enough to weigh it proportionally. They seem like a very good company. A family member is about to get a job with NFCU and I might go after a membership with them in march.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
Posts: 1,988
Registered: ‎06-25-2012
0

Re: How high is your DCU limit?

Yeah its the card number for account number
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.