Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
DCU MEMBERSHIP & VISA APPROVAL TIME?

I kinda went about the approval process Z to A,  instead of A to Z. When speaking to a rep at DCU, he suggested that I apply for the visa card before apping for the membership just to check out a potential offer. I was approved for the credit card right off but I'm curious to know how long does it take to be approved for the membership? Anyone knows? 

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
Re: DCU MEMBERSHIP & VISA APPROVAL TIME?

Should be pretty quick and instant, I suppose they can't use the same HP for membership eh?

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
sccredit
Posts: 848
Registered: ‎09-14-2012
Re: DCU MEMBERSHIP & VISA APPROVAL TIME?

It tooik me almost 10 days to actually get my membership approved even though my card was approved within an hour. 

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Business Visa $8,000; US Bank PLOC Overdraft $1,500; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
Re: DCU MEMBERSHIP & VISA APPROVAL TIME?

Jutz wrote:

Should be pretty quick and instant, I suppose they can't use the same HP for membership eh?


I wish they would but I do see two pulls on my credit report from DCU but from different departments and on the same date. I wonder if they would erase one of those pulls?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
Re: DCU MEMBERSHIP & VISA APPROVAL TIME?

sccredit wrote:

It tooik me almost 10 days to actually get my membership approved even though my card was approved within an hour. 


Thank you for that info.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
sccredit
Posts: 848
Registered: ‎09-14-2012
Re: DCU MEMBERSHIP & VISA APPROVAL TIME?

MountainHiker wrote:

Jutz wrote:

Should be pretty quick and instant, I suppose they can't use the same HP for membership eh?


I wish they would but I do see two pulls on my credit report from DCU but from different departments and on the same date. I wonder if they would erase one of those pulls?


They won't erase either of them...I tried!

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Business Visa $8,000; US Bank PLOC Overdraft $1,500; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
Re: DCU MEMBERSHIP & VISA APPROVAL TIME?

sccredit wrote:

MountainHiker wrote:

Jutz wrote:

Should be pretty quick and instant, I suppose they can't use the same HP for membership eh?


I wish they would but I do see two pulls on my credit report from DCU but from different departments and on the same date. I wonder if they would erase one of those pulls?


They won't erase either of them...I tried!


Thanks buddy.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured