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Welcome and thank you for joining DCU!

Contributor

Welcome and thank you for joining DCU!

I hope this is ok to post again where it will probably get more exposure versus the general credit board. If a moderator could delete my original over there it would be very much appreciated.

 

Received the email earlier now just waiting on the membership package to arrive in the mail! I'll probably keep a steady relationship with them and see if they'll preapprove me for a credit card.  My other credit union right now is Genisys but I wasn't to happy with the auto loan rate 14% they offered even though I have a collection on the report they pulled (EQ). I wound up just paying outright for the car $800 down from $1400 and just got new brake lines put in, but anyway I'm thinking of maybe heading away from Genisys and maybe going with Penfed or someone else. Congrats though to everyone else that's joined DCU and are happy with their service and loans. Always open to other suggestions for credit unions to join also. Just thought I'd share Smiley Happy

 

Also looking at joining Northwest Federal CU but their site isn't cooperating in letting me join. I sent them an email though and hope to hear back soon (have a nice 7% starting personal loan rate).

 

 

EX 690 (Credit.com 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700


12 REPLIES
Contributor

Re: Welcome and thank you for joining DCU!

I started thinking it might be better also to find a CU that doesn't pull EQ with the collection on there until 11/15.

EX 690 (Credit.com 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700


Valued Contributor

Re: Welcome and thank you for joining DCU!

PenFed pulls EQ

 

Edit to ask: Did you have to join an association to become a member with DCU?


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Contributor

Re: Welcome and thank you for joining DCU!

Yeah I've been hearing DCU may go easier on you too with a collection after some time.. maybe Penfed down the road or maybe join and wait a few years to apply for CC.

EX 690 (Credit.com 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700


Valued Contributor

Re: Welcome and thank you for joining DCU!

I have both Genisys and DCU and DCU is far more generous to me than Genisys for CC's.  DCU gave me a 7500 CL and Genisys gave me 900 so go figure.  The only thing I can see is that Genisys cards are issued by Elan so that could play some part in it.

 

As for the car loans, Genisys was much better than DCU.  I guess that's why they say not to have all your eggs in one basket Smiley Happy.

 

But as for Penfed, I thought that the credit critieria was stringent in that you need really good credit....not completely sure so check up on that.  


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Contributor

Re: Welcome and thank you for joining DCU!

chnceit -

 

Yeah I think I counted about 9 organizations you can join with dues from $10 Reach out for Schools (the one I joined) up to $120 but most are in the $15 to $30 range.

EX 690 (Credit.com 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700


Highlighted
Moderator Emeritus

Re: Welcome and thank you for joining DCU!


Stephen_Dashman wrote:

I hope this is ok to post again where it will probably get more exposure versus the general credit board. If a moderator could delete my original over there it would be very much appreciated.



 

Done, and congrats on the approval. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor

Re: Welcome and thank you for joining DCU!


Stephen_Dashman wrote:

chnceit -

 

Yeah I think I counted about 9 organizations you can join with dues from $10 Reach out for Schools (the one I joined) up to $120 but most are in the $15 to $30 range.


Cool thanks!

I read a lot on here that DCU is generous with CL so I am thinking about apping once my new accounts age


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Contributor

Re: Welcome and thank you for joining DCU!

Thanks Rhaeny -

 

That's what it sounds like with Penfed. I might just wait and maybe look at them again further down the road. The one CSR at Genisys was ok to work with but it seemed like a few others I talked with didn't really want to be bothered. They probably can't do too much for me right now, but it sounds like both CU's are working out for you pretty nicely.

EX 690 (Credit.com 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700


Contributor

Re: Welcome and thank you for joining DCU!

Thank you much tinuviel -

 

I should be able to figure out that box quote, but I'm not exactly sure how to do it..lol.

EX 690 (Credit.com 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700