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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

US Bank CC or DCU CC

Which company would you choose if you were going to app for one of their CCs and why?


$100K in Credit
Last Credit Card App: 11/16/13
Senior Contributor
Ron1
Posts: 4,727
Registered: ‎05-23-2009

Re: US Bank CC or DCU CC

I would apply for DCU because they're generous for CC's CL. I also like their EQ FICO.  


chnceit wrote:

Which company would you choose if you were going to app for one of their CCs and why?


 

Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

Re: US Bank CC or DCU CC

[ Edited ]

Hmmmm, both!!

 

You know I just got these cards/accounts.  US Bank is my primary bank.  Got a $10K Visa and 2 wks later, got a $15K Premier LOC.  I really like how that LOC is setup.

It's like I have a separate checking account with $15K sitting in it to be used at my discretion.  I'll be getting checks for the LOC account, along with another VISA card....that's my understanding anyway.

I can transfer money from the LOC to my primary checking account if I ever had to.  That's a nice feature.  Interest is low...9.25% for me.

 

DCU, $10k as well. 8.5%.  They also said I qualified for a $25K auto loan another $5k card if I wanted it.  I passed.

2 HP's, I wasn't too fond of that.  I haven't used the card yet.

 

I'm partial to US Bank.  They're close to me and open late on Saturdays and open on Sundays.

 

They both pulled EQ, Ohio.


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: US Bank CC or DCU CC

I like the free FICO from DCU, but dislike the CSR from stories I read on here

 

I like US Bank because of the CC products and LOC, but think they might very conserative and deny me

 

So I torn! But I promise not to app :smileytongue:


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

Re: US Bank CC or DCU CC

I may have been denied or given a much lower CL if they had pulled TU or EX.  I've been focuing on EQ friendly lenders.  :smileyhappy:

US Bank denied me about 9 mos ago.  But I've gained at least 100 pts on EQ since then.  Don't know what they pulled then. 


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: US Bank CC or DCU CC


racer-x wrote:

I may have been denied or given a much lower CL if they had pulled TU or EX.  I've been focuing on EQ friendly lenders.  :smileyhappy:

US Bank denied me about 9 mos ago.  But I've gained at least 100 pts on EQ since then.  Don't know what they pulled then. 


They pulled EQ so I may have a chance since my EQ and TU seem to be higher in scores. 

 

Decision, decisions :smileyvery-happy:


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,256
Registered: ‎10-02-2012

Re: US Bank CC or DCU CC

Ive never dealed with credit unions but my family has a us bank card and they are great when it comes to customer service PLUS seems lke they are very honest and know what they are doing. You hardly EVER hear bad stuff about us bank.


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Moderator
Revelate
Posts: 8,371
Registered: ‎12-30-2011

Re: US Bank CC or DCU CC

I talk to my financial institutions staff so rarely I don't even consider it a significant factor.

If you need a CU relationship, DCU is a good one to have. That's especially true of the auto lending right now.

If you're looking for anything beyond a farming tradeline for a card, US Bank is probably a better choice if you want a good CC in the future. DCU just isn't competitive on that front.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: US Bank CC or DCU CC

Thanks Rev and Bears!

 

I am really not looking to build a relationship with another CU since I acquired PenFed and I am part of a local CU here in my home state. I am good with CUs.

 

I may go with US Bank because I rather have my credit pulled twice for two credit products instead of one CC and for membership.

 

US Bank does seem that they know what they are doing

 

 


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,256
Registered: ‎10-02-2012

Re: US Bank CC or DCU CC

no problem and good luck!!


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14

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