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Frequent Contributor
Posts: 258
Registered: ‎09-25-2013
0

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 - 744 (Oct FICO) | Experian 736(Oct Fico) | Transunion - 755(Oct Fico)

Credit Lines: Diners Club 20k | Penfed Plat Rewards 7k | SDFCU 5k | Amex BCE - 10.5k | Chase Freedom 4.5k | CSP - 10.6k | Discover IT - 9k | Sallie Mae 3.8k | BofA 123 - 4.9k | CITI Double Cash 9.1k | Total Rewards 3.25k
Senior Contributor
Posts: 3,132
Registered: ‎09-11-2013
0

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.

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $505,050 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Cabelas Club Visa (4k) Capital One (49k), Chase(48.6k), CITI(5k), Dillards(2.5k), Diners Club(30k), Discover(17k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(78.5k), USAA(50k), US Bank(6.5k), and Wells Fargo(37.5k).
Valued Contributor
Posts: 6,975
Registered: ‎01-04-2014
0

Re: The Duck Card

Cash Back version.
It's All In The Magic Of Your Own Destiny
Established Contributor
Posts: 641
Registered: ‎10-30-2013
0

Re: The Duck Card

Cash Back Version as well.

TU FICO: 729/ EXP FICO: 735/ EQ FICO: 747

Capital One Venture: $15k; Capital One Quicksilver: $5k; Bank of America Cash Rewards: $5k; Ashley Furniture: $4.5K; Car Care One: $4.5k; Chase Slate: $3.8K; Barclaycard Rewards: $2.5K; AMEX DG: $2K, Citi AAdvantage: $1.5K, Discover IT Miles: $1.3K
Established Contributor
Posts: 641
Registered: ‎10-30-2013
0

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?) 

TU FICO: 729/ EXP FICO: 735/ EQ FICO: 747

Capital One Venture: $15k; Capital One Quicksilver: $5k; Bank of America Cash Rewards: $5k; Ashley Furniture: $4.5K; Car Care One: $4.5k; Chase Slate: $3.8K; Barclaycard Rewards: $2.5K; AMEX DG: $2K, Citi AAdvantage: $1.5K, Discover IT Miles: $1.3K
Valued Member
Posts: 44
Registered: ‎03-18-2013
0

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.
Moderator
Posts: 22,608
Registered: ‎12-13-2013
0

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 Fico 08 BC 08/15: 798 (-8); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 08/15: 761 (+6)
Valued Contributor
Posts: 6,975
Registered: ‎01-04-2014
0

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.
It's All In The Magic Of Your Own Destiny
Established Contributor
Posts: 641
Registered: ‎10-30-2013
0

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.

 

TU FICO: 729/ EXP FICO: 735/ EQ FICO: 747

Capital One Venture: $15k; Capital One Quicksilver: $5k; Bank of America Cash Rewards: $5k; Ashley Furniture: $4.5K; Car Care One: $4.5k; Chase Slate: $3.8K; Barclaycard Rewards: $2.5K; AMEX DG: $2K, Citi AAdvantage: $1.5K, Discover IT Miles: $1.3K
Valued Contributor
Posts: 6,975
Registered: ‎01-04-2014
0

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.
It's All In The Magic Of Your Own Destiny
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