The Beaver survived a year.

[woodyman100]

I'm sorry. I can't read the tag one of this post without giggling. Bahahaha 

[sillykitty1]

Mine is alive and well, will turn 1 in November, 15K CL.  I was never shut down to my knowledge.  Only my monthly Netflix gets charged to the card. I don't meet any of their residency requirements.

I suspect far more were kept open vs. shut down.  We just hear more about the ones that were closed.  

[CreditMagic7]

(Quack!)

Duck turns 1 yr old soon here too. Survived the cut and going to request a CLI and/or app for their Beaver after that time too LoL

[polecat87]

My duck is still quacking after a year. At 10k, so won't ask for CLI.

[nyancat]

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@krial wrote:

Opened mine in December 2013, and it's still open.

They gave me a whopping $500 CL, so I bought something on it for like $400 and have just been making minimum payments so I have regular usage.

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So, you're deliberately paying a ridiculous amount in interest and minimum interest fees for no reason other than the bizarre hope that a credit union will somehow like you better if you behave in a way that causes you to owe them more money for no reason?

I know if I ran a bank like that I'd have mixed opinions on people like you. In the short term, I'd love the fee income, but I'd be hesitant to actually extend you more credit/keep you around because I'd worry about your ability to make sound financial decisions.

This isn't personal, so please don't take it as such - I'm not a bank manager and I know you, as an individual, may or may not make great decisions in other areas - I'm just saying, I could see an argument on both sides as to whether someone who enjoys paying unnecssary fees is actually a good customer to keep around long-term. Don't assume they'll see it as a good thing.

[Creditaddict]

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@nyancat wrote:

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@krial wrote:

Opened mine in December 2013, and it's still open.

They gave me a whopping $500 CL, so I bought something on it for like $400 and have just been making minimum payments so I have regular usage.

---

So, you're deliberately paying a ridiculous amount in interest and minimum interest fees for no reason other than the bizarre hope that a credit union will somehow like you better if you behave in a way that causes you to owe them more money for no reason?

I know if I ran a bank like that I'd have mixed opinions on people like you. In the short term, I'd love the fee income, but I'd be hesitant to actually extend you more credit/keep you around because I'd worry about your ability to make sound financial decisions.

This isn't personal, so please don't take it as such - I'm not a bank manager and I know you, as an individual, may or may not make great decisions in other areas - I'm just saying, I could see an argument on both sides as to whether someone who enjoys paying unnecssary fees is actually a good customer to keep around long-term. Don't assume they'll see it as a good thing.

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most likely OP is just finishing out the 12 months interest free right about no so other than util and such interest is probably not being charged yet.

[Anonymous]

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Creditaddict wrote:

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most likely OP is just finishing out the 12 months interest free right about no so other than util and such interest is probably not being charged yet.

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[nyancat]

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@Creditaddict wrote:

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@nyancat wrote:

---

@krial wrote:

Opened mine in December 2013, and it's still open.

They gave me a whopping $500 CL, so I bought something on it for like $400 and have just been making minimum payments so I have regular usage.

---

So, you're deliberately paying a ridiculous amount in interest and minimum interest fees for no reason other than the bizarre hope that a credit union will somehow like you better if you behave in a way that causes you to owe them more money for no reason?

I know if I ran a bank like that I'd have mixed opinions on people like you. In the short term, I'd love the fee income, but I'd be hesitant to actually extend you more credit/keep you around because I'd worry about your ability to make sound financial decisions.

This isn't personal, so please don't take it as such - I'm not a bank manager and I know you, as an individual, may or may not make great decisions in other areas - I'm just saying, I could see an argument on both sides as to whether someone who enjoys paying unnecssary fees is actually a good customer to keep around long-term. Don't assume they'll see it as a good thing.

---

most likely OP is just finishing out the 12 months interest free right about no so other than util and such interest is probably not being charged yet.

---

Ah, I didn't realise this card had an interest-free period. Regardless, my point still stands because it wasn't a personal comment regarding ACTUAL financial wisdom, but rather a view of how a bank might perceive it. From a risk analysis point of view, how are they to know your behaviour will end when the interest-free period is up?

[Creditaddict]

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@nyancat wrote:

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@Creditaddict wrote:

---

@nyancat wrote:

---

@krial wrote:

Opened mine in December 2013, and it's still open.

They gave me a whopping $500 CL, so I bought something on it for like $400 and have just been making minimum payments so I have regular usage.

---

So, you're deliberately paying a ridiculous amount in interest and minimum interest fees for no reason other than the bizarre hope that a credit union will somehow like you better if you behave in a way that causes you to owe them more money for no reason?

I know if I ran a bank like that I'd have mixed opinions on people like you. In the short term, I'd love the fee income, but I'd be hesitant to actually extend you more credit/keep you around because I'd worry about your ability to make sound financial decisions.

This isn't personal, so please don't take it as such - I'm not a bank manager and I know you, as an individual, may or may not make great decisions in other areas - I'm just saying, I could see an argument on both sides as to whether someone who enjoys paying unnecssary fees is actually a good customer to keep around long-term. Don't assume they'll see it as a good thing.

---

most likely OP is just finishing out the 12 months interest free right about no so other than util and such interest is probably not being charged yet.

---

Ah, I didn't realise this card had an interest-free period. Regardless, my point still stands because it wasn't a personal comment regarding ACTUAL financial wisdom, but rather a view of how a bank might perceive it. From a risk analysis point of view, how are they to know your behaviour will end when the interest-free period is up?

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for sure, I would never pay the minimum to try to get them to consider you a better risk for a higher CL!

[CreditMagic7]

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@polecat87 wrote:

My duck is still quacking after a year. At 10k, so won't ask for CLI.

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One thing that stands out with my Oregon CU Duck Card is that i didn't get those Heavenly SL's everyone else did. Mine is but $2500. Another thing is that when i apped during the frenzy i still don't know how i ever got approved in the first place. I was so new to credit last year and just barely had 1 year on a longest card. The EQ was 649. I don't think that even i would have approved me with those stats, however, contrary to the laws of nature it somehow miraculously survived the cut.

It's still a strange Visa card though. Every single time i use it on any given day more then twice or so, it automatically goes into fraud protection mode requiring a call in to lift it. What would you expect? It's a DUCK