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Valued Contributor
Posts: 1,906
Registered: ‎11-17-2012
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Re: Just joined DCU!!!!!!


Rhaeny wrote:

daybreakgonesXe wrote:

Ron1 wrote:

09Lexie wrote:
On, so they asked and you didn't think they needed it...😂

DCU is reaaaaallllly into identity verification.


I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."

 

 

Ron.


It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...

 

It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)

 

Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.


Yep same for me.  They didn't ask for ANYTHING from me.  I joined back in September and everything was instant.  Instant CC and membership approved instantly.  I had my membership package and CC in a few days.  Something has gone wrong with DCU.  Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.  


True...I applied for membership at the end of January, and I feel like even during that time many members reported the run-around and having to go nuts scanning/mailing information!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $11.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 764 EQ 704 TU 745 VantageScore 3.0: EX 745 EQ 752 TU 752 Credit Sesame (EX) 754 Credit.com (EX) 788
Super Contributor
Posts: 5,984
Registered: ‎05-23-2009
0

Re: Just joined DCU!!!!!!


Rhaeny wrote:

daybreakgonesXe wrote:

Ron1 wrote:

09Lexie wrote:
On, so they asked and you didn't think they needed it...😂

DCU is reaaaaallllly into identity verification.


I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."

 

 

Ron.


It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...

 

It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)

 

Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.


Yep same for me.  They didn't ask for ANYTHING from me.  I joined back in September and everything was instant.  Instant CC and membership approved instantly.  I had my membership package and CC in a few days.  Something has gone wrong with DCU.  Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.  


Did you apply for cc and membership at the same time?

 

 

Ron.

Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: Just joined DCU!!!!!!

I applied so long ago tbh I can't remember them asking for anything. It seems like it was just all over the phone, idk if they even had a 'Join DCU' website 😂

The welcome packet came fast with the Check Card and back then they sent the checks too. Not sure if they do that anymore but like most if you a sm check order is free.

Wish I could be more help.
Valued Contributor
Posts: 1,906
Registered: ‎11-17-2012
0

Re: Just joined DCU!!!!!!


Ron1 wrote:

Rhaeny wrote:

daybreakgonesXe wrote:

Ron1 wrote:

09Lexie wrote:
On, so they asked and you didn't think they needed it...😂

DCU is reaaaaallllly into identity verification.


I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."

 

 

Ron.


It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...

 

It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)

 

Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.


Yep same for me.  They didn't ask for ANYTHING from me.  I joined back in September and everything was instant.  Instant CC and membership approved instantly.  I had my membership package and CC in a few days.  Something has gone wrong with DCU.  Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.  


Did you apply for cc and membership at the same time?

 

 

Ron.


I only went for membership.

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $11.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 764 EQ 704 TU 745 VantageScore 3.0: EX 745 EQ 752 TU 752 Credit Sesame (EX) 754 Credit.com (EX) 788
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Just joined DCU!!!!!!


Ron1 wrote:

Rhaeny wrote:

daybreakgonesXe wrote:

Ron1 wrote:

09Lexie wrote:
On, so they asked and you didn't think they needed it...😂

DCU is reaaaaallllly into identity verification.


I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."

 

 

Ron.


It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...

 

It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)

 

Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.


Yep same for me.  They didn't ask for ANYTHING from me.  I joined back in September and everything was instant.  Instant CC and membership approved instantly.  I had my membership package and CC in a few days.  Something has gone wrong with DCU.  Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.  


Did you apply for cc and membership at the same time?

 

 

Ron.


Ron, I applied for the CC first and then I applied for membership.  At that time I hadn't heard any of the stories like I hear now about DCU.  It wasn't until I heard about how people were getting approved for the CC but not getting approved for membership that I started recommending that they get the membership first.  Because you have to do an HP anyway and if you can't get the CC you can at least get the free fico every month.  At least that would make it worth it.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Super Contributor
Posts: 5,984
Registered: ‎05-23-2009
0

Re: Just joined DCU!!!!!!


Rhaeny wrote:

Ron1 wrote:

Rhaeny wrote:

daybreakgonesXe wrote:

Ron1 wrote:

09Lexie wrote:
On, so they asked and you didn't think they needed it...😂

DCU is reaaaaallllly into identity verification.


I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."

 

 

Ron.


It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...

 

It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)

 

Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.


Yep same for me.  They didn't ask for ANYTHING from me.  I joined back in September and everything was instant.  Instant CC and membership approved instantly.  I had my membership package and CC in a few days.  Something has gone wrong with DCU.  Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.  


Did you apply for cc and membership at the same time?

 

 

Ron.


Ron, I applied for the CC first and then I applied for membership.  At that time I hadn't heard any of the stories like I hear now about DCU.  It wasn't until I heard about how people were getting approved for the CC but not getting approved for membership that I started recommending that they get the membership first.  Because you have to do an HP anyway and if you can't get the CC you can at least get the free fico every month.  At least that would make it worth it.


Thanks for the info.  I'm not in hurry to get their cc.  Did  you get instantly approved? Would you share your credit profile such as score, inquiry and the CRA they pulled from).

 

 

Ron.

Established Contributor
Posts: 727
Registered: ‎01-13-2013
0

Re: Just joined DCU!!!!!!

I joined online this Sunday the 21st too! and got a HP in EQ

 

then right away they sent me an email asking for my DL, sent it it back to the reply email. and they cashed my 5 bucks for my opening deposit.

 

Yesterday nothing happened, called and they told me it was in process.

 

Today early in the morning got an email asking for a color copy of my SSC, sent.

 

Hopefully I can get an answer tomorrow :smileyhappy:

 

Im in CA by the way.

 

 

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Just joined DCU!!!!!!

Ron, I was instantly approved for $7500.  My score was 720 on EQ and I had zero inquiries.  My AAOA was over 6 years.  I was also fresh out of a bk and the only open accounts I had was a commenity card for $150 and a CreditOne card for $500 (both 6 months old).  How I got that I don't know because my eyes were bucked when I saw that instant approval.  One thing I did do was start working on cleaning up my accounts long before my discharge (ch 13) because I knew when it was done that I would need a car.  So in essence I was hell bent on making sure that I had a very good score.  The one thing that worked in my favor is that most of my baddies had been deleted and the remaining 2 accounts were really close to the 7 year mark so I think it played a low impact on the approval decision.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Just joined DCU!!!!!!

I read on here before I applied so I knew they were gonna ask for license and ss. I sent a copy of my green card and ss when I was asked for a copy of my ID just to be ahead of them. lol

I also applied for cc after I was approved for membership. I was approved for 2k on the phone with a thin file, but my CL was decreased to 1.5k after I emailed them my paystubs.

I guess they decided to make a decision on my CL based on my income.

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: 727
Registered: ‎01-13-2013
0

Re: Just joined DCU!!!!!!

What was your income?

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
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