06-05-2013 09:42 PM
I decided to join DCU, in order to establish a relationship with a credit union, and during the application it said I was pre-approved for an auto loan up to $30,000 (woo!) and a credit card up to $5,000. I plan to purchase a new car in august, so at the least the pre-approval is nice to see. I went ahead and bit the bait and marked the box to include the credit card in my application.
Anyone have any experience with this new membership pre-approval? Do you think I can call in the morning to see if it was actually approved? I have short credit history and a lot of inquiries (high single digits), but no baddies.
What will DCU want from me for the regular membership?
06-05-2013 10:50 PM
06-05-2013 11:07 PM
06-06-2013 06:47 AM
Yes I am aware. After the car, I'll be in the garden to get all my hard pulls to drop off.
06-06-2013 07:00 AM
Make sure your membership is approved before apping for anything else.
Some people have had difficulty joining DCU, and if you app for the loan or CC you will be burning extra inquiries for things you won't be eligible for if they don't grant you membership.
06-06-2013 07:07 AM
I called up, and got some information. Approved for $3,000, woo!
Hopefully my membership goes through, I don't forsee any issues though.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.