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Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!


jsickz32 wrote:
I was approved for 7k with 14 iqns and 9 new accounts within 6 months. I got the 11.9% apr

Thanks for the info. I think it is pretty easy to get approved. Did you get instantly approved?

 

 

Ron.

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Just joined DCU!!!!!!

Thanks lexie!

 

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.
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Just joined DCU!!!!!!

I called them asking for the member # and the csr told me she cant give it out on the phone but if i want to apply for a cc or loan she can help me over the phone and she was kinda pushy for me to do it. Im waiting for one of my cc to report a lower balance.tomorrow and ill call.
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.
Moderator
09Lexie
Posts: 22,527
Registered: ‎09-13-2012

Re: Just joined DCU!!!!!!

Wait until the cr updates. If I'm not mistaken 675 would get you at least 11.5 on the reg Visa. Im not sure if your CS will get you the best rate on an auto loan
Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013

Re: Just joined DCU!!!!!!

675 will get you 1.99% on  your auto loan. 675 will get you 11.5% on platinum (no rewards) visa. 700 will get you 9.5% and 730 will get you 8.5% apr.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!


NJTurnpike wrote:

675 will get you 1.99% on  your auto loan. 675 will get you 11.5% on platinum (no rewards) visa. 700 will get you 9.5% and 730 will get you 8.5% apr.


Thanks for the great info.  I might get cc after I get in. I'm still waiting for their email. 

 

 

Ron.

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Just joined DCU!!!!!!


NJTurnpike wrote:

675 will get you 1.99% on  your auto loan. 675 will get you 11.5% on platinum (no rewards) visa. 700 will get you 9.5% and 730 will get you 8.5% apr.


Great info!

 

but I have 641 in my EQ, :smileyindifferent: will that get me some love? :smileyvery-happy:

 

My current auto loan is 9.75 amd I had 625 FICO

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.
Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!

I just called them to check the status of the membership and it's still pending. She told me to give another 24 hours to complete.

 

 

Ron.

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Just joined DCU!!!!!!


Ron1 wrote:

I just called them to check the status of the membership and it's still pending. She told me to give another 24 hours to complete.

 

 

Ron.


CSR's always say that, did they transfer you the the new membership people? they know better info.

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.
Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!


zerobacan wrote:

Ron1 wrote:

I just called them to check the status of the membership and it's still pending. She told me to give another 24 hours to complete.

 

 

Ron.


CSR's always say that, did they transfer you the the new membership people? they know better info.


No , they didn't . They checked their computer and it said "It's still pending". I'm not in a hurry to get a loan or credit card. I'm still waiting for Cap1 recon. They might SP my EQ. I don't want to see too many inquries on the report. 

 

Ron.


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