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Valued Member
JPmorgan
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
MustangSaluki
Posts: 203
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
hussain99
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
MountainHiker
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
Established Contributor
sccredit
Posts: 950
Registered: ‎09-14-2012
0

Re: How high is your DCU limit?

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

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Business Visa $8,000; US Bank PLOC Overdraft $1,500; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Established Contributor
MountainHiker
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
jsickz32
Posts: 1,987
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
eviLution
Posts: 706
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?


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Established Contributor
MountainHiker
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
jsickz32
Posts: 1,987
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)

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