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New Contributor
Hockeyplayrr
Posts: 66
Registered: ‎09-25-2013

Re: The Duck Card

Just curious.  Did you guys opt for the cash back version or the one with the lower apr?

Credit Scores: Equifax - 730 (September FICO) | Experian 724 (June Amex Pull) | Transunion - 744 (February Discover)

Credit Lines: Amex BCE - 5.4k | Chase Marriott Premier 5.2k | CSP - 5k | Amex PRG - NPSL | Discover IT - 9k | Sallie Mae 3.8k | Citi TYP 3.5k | BofA 123 - 2k | Chase Freedom - closed | Cap1 - closed
Established Contributor
12njoy
Posts: 1,018
Registered: ‎09-11-2013

Re: The Duck Card

@Hockeyplayrr,

 

I believe it was the cash back option for me.  My thought was the low apr is probably reserved for those with excellent credit.

Amex PRG~NPSL($40,000); Amex BCE~$6,600; Amex BCP~$4,500; Amex BCE~$2,000; Amex Hilton HHonors~$2,000; NFCU Flagship Visa Sig~$15,000; Discover IT ~$14,000; USAA Amex~$13,000; USAA Visa~$7,000; USAA Visa~ $600; Fidelity Visa Signature (FIA)~$10,000; Barclaycard Arrival World Mastercard~$7,500; Barclaycard Arrival Mastercard~$2,700; 5/3 Cash Rewards World Mastercard~ ~$5,500; Chase Southwest Airlines Visa Signature~$5,000; Chase Sapphire Preferred~$5,000; U.S. Bank Visa Platinum~$5,000; NASA Visa Classic~$5,000; Walmart Discover~$4,300; TJX Platinum Mastercard~$2,500; State Farm Rewards Visa ~$4,000; Tires Plus~$2,200; Wells Fargo Rewards Card~$2,000; Huntington Voice Mastercard~$500. TC $165,900 - TRC $125,900
Established Contributor
CreditMagic7
Posts: 1,230
Registered: ‎01-04-2014

Re: The Duck Card

Cash Back version.

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It's All In The Magic Of Your Own Destiny
Frequent Contributor
xXIDaShizIXx
Posts: 368
Registered: ‎10-30-2013

Re: The Duck Card

Cash Back Version as well.

Frequent Contributor
xXIDaShizIXx
Posts: 368
Registered: ‎10-30-2013

Re: The Duck Card

Ah the wait is killer!!! Hopefully I will hear something back when I call them tomorrow!!! @ 12njoy let us know what they say to you as well ok? Also should I pull the three side by side fico scores since I am starting out now or wait (until when?) 

Valued Member
studiogeek
Posts: 41
Registered: ‎03-18-2013

Re: The Duck Card

Don't trust your Duck/Beaver cards (until further notice). DO NOT leave the house with only this card.  Many people have had their accounts frozen and when you call in, they say "Your card may have been compromised" and offer no further info.

Aug 2012 TU/EQ/EX 500's (zero positive credit, one 6 year old CO for $1100) Rebuild->Cap 1 secured $200->TU 610 EQ/EX 640, Shell $500 (cli) $750, Macy's $500, Bloomie's $500 ->(cli $1.2K), Victorias' Secret $750->(cli 1K) (level 2 moves) NFCU Visa Signature $15K/$20K, USAA $4K, Amex Blue $9K/$37K, Amex Costco $10.5K Penfed Visa $2.5K, OCCU Beaver $20K, Amex SP Gold(no limit), Chase PRG 26K ~ MyFico TU775 EQ789 EX766 / $0-$200,000 CL in just 18 months.
Valued Contributor
gdale6
Posts: 4,906
Registered: ‎12-13-2013

Re: The Duck Card

Well guys & gals you may not be able to get any info out of these small time operators, seems they have frozen just about everyones card who has apped in last 2 months. I called card services this morn to find out what was up, pressed them hard and all they could say was "its possibly compromised", we will call you when we have further info..... Well this doesn't set with me, I didn't beleive them and I demanded that the card hold be released immediately or put it where sun doesn't shine, they refused so the Beaver card I had for all of 5 days is in the dustbin of OCCU Duck/Beaver history. Wishing you all the best of luck with them.

 

PS: Personally I think they are under pressure from regulators over loan loss reserves, in all my life I have never seen an organization like this hand out high limits to just about anyone who comes knocking, including people with BKs, other PRs, CA/JDB, COs, etc..

EX CS Fako 04/14: 767 ; EX BC Fico 8 04/14: 802
EQ Classic Fico 01/14 773 ; EQ MPM 04/14: 765
TU Discover FICO 03/14: 717; TU MPM 04/14 706
Established Contributor
CreditMagic7
Posts: 1,230
Registered: ‎01-04-2014

Re: The Duck Card

You have to admit they been handing out super high starting limits like candy!

20k limits x multi apps for a good while now.

Well, at least i did manage to get a BT done before whatever is going to happen, happens.

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It's All In The Magic Of Your Own Destiny
Frequent Contributor
xXIDaShizIXx
Posts: 368
Registered: ‎10-30-2013

Re: The Duck Card


CreditMagic7 wrote:
You have to admit they been handing out super high starting limits like candy!

20k limits x multi apps for a good while now.

Well, at least i did manage to get a BT done before whatever is going to happen, happens.

Yeah if this hurts me I'm back to square one with secured cards that aren't even helping.

 

Established Contributor
CreditMagic7
Posts: 1,230
Registered: ‎01-04-2014

Re: The Duck Card

I just signed in to my (Duck) online account. Everything is there as expected. No cautions or any sort of hint to a problem. My spend is already been done for me until next month. Maybe whatever is raising all these recent rash of concerns will get ironed out once the business week goes forward again.

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It's All In The Magic Of Your Own Destiny

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