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Moderator
09Lexie
Posts: 25,560
Registered: ‎09-13-2012
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Re: Just joined DCU!!!!!!

Senior Contributor
Ron1
Posts: 4,922
Registered: ‎05-23-2009
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Re: Just joined DCU!!!!!!


09Lexie wrote:
Yes, 2 HPs on Equifax.

Do they have any credit card pre-approval?

 

 

Ron.

Moderator
09Lexie
Posts: 25,560
Registered: ‎09-13-2012
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Re: Just joined DCU!!!!!!

After you are a member sometimes you will have the message in your inbox. It still will be an additional HP- dont ask me why. 😒
Senior Contributor
Ron1
Posts: 4,922
Registered: ‎05-23-2009
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Re: Just joined DCU!!!!!!


09Lexie wrote:
After you are a member sometimes you will have the message in your inbox. It still will be an additional HP- dont ask me why. 😒

Thanks for the info. I'm not in a hurry to apply for the credit card. I know pre-approval doesn't mean anything. They still need HP for credit decision.

 

 

Ron.

Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
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Re: Just joined DCU!!!!!!


Meltdownblitz wrote:
So if I apply for membership and apply for cc, that would be 2 pulls?! Ahh!

Yep.  But they will use the same pull for multiple products so one pull for a CC and a loan if needed but regardless it will be in addition to the pull for membership.

Valued Contributor
kevinjjc
Posts: 1,323
Registered: ‎01-14-2009
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Re: Just joined DCU!!!!!!

Please keep us posted. I'm thinking about joining DCU.

Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
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Re: Just joined DCU!!!!!!

You will find mixed reviews about DCU on here; almost a 50% like/not like

 

They are less stringent than PenFed but you can't beat the free EQ FICO. Their products are not bad at all either. I live close to a branch here in MA so it's convenient too




Senior Contributor
Ron1
Posts: 4,922
Registered: ‎05-23-2009
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Re: Just joined DCU!!!!!!


kevinjjc wrote:

Please keep us posted. I'm thinking about joining DCU.


Yes, I will.

 

Ron.

 

Moderator
09Lexie
Posts: 25,560
Registered: ‎09-13-2012
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Re: Just joined DCU!!!!!!

@CS

The 'not like' ratio seems to be based on those who did not qualify for membership ( the dreaded identity verification) plus those who's membership approval was delayed forever.

Haven't seen too many comments on existing members that do not like DCU.
Established Member
knightimer
Posts: 17
Registered: ‎08-25-2007
0

Re: Just joined DCU!!!!!!

I applied for membership last year. Under the account management screeen there was a preapproval for a visa for 10,000.00. I hit the button and recevied the visa. I am not sure if it was a hp. I will have to check.

TransUnion 778 Date: 11/04/2011
Equifax 773 Date:1/08/2010
Experian 782 Date:11/15/2011 PESCU

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