puzzled about dcu

[rolangunslinger]

addendum: they are definitely going to be my main bank, I have been with a local credit union for over 8 years(with perfect payment history), DCU has already offered me a higher credit limit and better loan rates than my old credit union ever did even with all the history. I am definitely a DCU convert now!

[CreditUnionFan]

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@juggalo9er wrote:

i guess in my case they told me what i could get (build up anticipation) and then the delay in membership...i do plan on switching to them as their rates are great just waiting patiently i guess....maybe you can tell me if their rewards card is worth it?

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The DCU Visa has some rewards, but the main reward is that there is a low APR on the card. So, DCU isn't my go-to card, but I do use their card from time to time.

[user5387]

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@juggalo9er wrote:

i guess in my case they told me what i could get (build up anticipation) and then the delay in membership...i do plan on switching to them as their rates are great just waiting patiently i guess....maybe you can tell me if their rewards card is worth it?

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For the most part, CU rewards cards are not worth it.

It's often better to get the non-rewards version with a lower APR.

Such cards are useful for various "financing" tasks -- BTs, carrying a balance, cash advances, overdraft protection on checking, and so on.

This is where CU cards shine.

[aubie1kenobie2]

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@user5387 wrote:

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@juggalo9er wrote:

i guess in my case they told me what i could get (build up anticipation) and then the delay in membership...i do plan on switching to them as their rates are great just waiting patiently i guess....maybe you can tell me if their rewards card is worth it?

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For the most part, CU rewards cards are not worth it.

It's often better to get the non-rewards version with a lower APR.

Such cards are useful for various "financing" tasks -- BTs, carrying a balance, cash advances, overdraft protection on checking, and so on.

This is where CU cards shine.

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I agree! My DCU has the lowest APR and no BT fee so if ever I needed a BT it's there 

[juggalo9er]

i did recieve my membership acceptance today however was told i have to wait for the welcome packet to arrive to apply for anything..any merit to this?

[09Lexie]

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@juggalo9er wrote:

i did recieve my membership acceptance today however was told i have to wait for the welcome packet to arrive to apply for anything..any merit to this?

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Probably because you'll need your user number to access the website.  I don't think you have to wait to apply but you'll need it for final approval. 

[juggalo9er]

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@ 09Lexie wrote:

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@juggalo9er wrote:

i did recieve my membership acceptance today however was told i have to wait for the welcome packet to arrive to apply for anything..any merit to this?

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Probably because you'll need your user number to access the website.  I don't think you have to wait to apply but you'll need it for final approval. 

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for probaly the 300th time....ty lexie and if i understand what your saying the "pre approvals" they gave me are valid off the pull they already did, its just a matter of the true approval?