01-24-2014 08:10 PM
Just curious. Did you guys opt for the cash back version or the one with the lower apr?
01-24-2014 08:16 PM
I believe it was the cash back option for me. My thought was the low apr is probably reserved for those with excellent credit.
01-25-2014 03:45 AM
Cash Back Version as well.
01-26-2014 01:28 PM
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?)
01-26-2014 01:43 PM
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.
01-26-2014 01:51 PM
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..
01-26-2014 02:01 PM
01-26-2014 02:11 PM
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.
01-26-2014 02:18 PM