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Just joined DCU!!!!!!

Moderator Emerita

Re: Just joined DCU!!!!!!

Message 21 of 344
Super Contributor

Re: Just joined DCU!!!!!!


09Lexie wrote:
Yes, 2 HPs on Equifax.

Do they have any credit card pre-approval?

 

 

Ron.

Message 22 of 344
Moderator Emerita

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. 😒
Message 23 of 344
Super Contributor

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.

Message 24 of 344
Valued Contributor

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.

Message 25 of 344
Highlighted
Valued Contributor

Re: Just joined DCU!!!!!!

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

Message 26 of 344
Super Contributor

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




Message 27 of 344
Super Contributor

Re: Just joined DCU!!!!!!


kevinjjc wrote:

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


Yes, I will.

 

Ron.

 

Message 28 of 344
Moderator Emerita

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.
Message 29 of 344
Established Member

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
Message 30 of 344