topic Re: DCU strikes again ! Sweet ! in Credit Card Approvals

DCU strikes again ! Sweet !

yomellamoFICO2013 — Tue, 28 May 2013 14:45:33 GMT

After reading so much about DCU here in the community, I decided to apply for membership.

After a few emails and back and forth verification of my ID, I was accepted at the end of April, the accounts (checking and savings) were funded without issue from my current checking account.

I am in the process of getting my direct deposit transfered to DCU (sorry Chase), as a way to establish a good relationship with them (and be able to get my free monthly FICO score)

Over this past weeked, I pulled the trigger on their VISA Credit card, and I was APPROVED for a $3K TL (not a lot, but higher than my Capital One $1K.)

Even with a public record on my file.

I will be recommending DCU to my extended family, co-workers and friends. I see a growing trend with CU's being out, for some of us who mismanaged credit in the past, but have realized that you can turn things around for good. Prime Banks still have some of my attention, specially Discover, Chase and Amex, but my current scores are not there yet.

Once again, I feel so grateful with myfico community and its members, as I started re-building and re-educating on credit management last December'12.

I am not so active on posting, but I read every day (while commutting, at work, after work, before going to sleep LOL

Thanks again !

Re: DCU strikes again ! Sweet !

hot4u — Tue, 28 May 2013 14:56:54 GMT

Congrats.. I agree thanks to Myfico I am also a Member and my CC highest CL is with them.

Re: DCU strikes again ! Sweet !

Anonymous — Tue, 28 May 2013 15:13:41 GMT

Now that you have a DCU CC, you don't need DD to get your free FICO, however, I've heard great things about their DD and getting your money early.

Congrats either way!

Re: DCU strikes again ! Sweet !

Rhaeny — Tue, 28 May 2013 16:25:30 GMT

Congrats!! You'll enjoy the 2 day early DD with them as well.

Re: DCU strikes again ! Sweet !

MsLadyRover — Tue, 28 May 2013 16:29:15 GMT

@Rhaeny wrote:
Congrats!! You'll enjoy the 2 day early DD with them as well.

2 day early DD??? That's awesome!!

Congratulations OP!

Re: DCU strikes again ! Sweet !

Rhaeny — Tue, 28 May 2013 16:39:52 GMT

@MsLadyRover wrote:
@Rhaeny wrote:
Congrats!! You'll enjoy the 2 day early DD with them as well.
2 day early DD??? That's awesome!!
Congratulations OP!

Yea, the first time it happened I couldn't believe it, but it still holds true to this day

Re: DCU strikes again ! Sweet !

SRAGS — Tue, 28 May 2013 16:45:34 GMT

Gr8, Congrats. Srags.

Re: DCU strikes again ! Sweet !

yomellamoFICO2013 — Tue, 28 May 2013 16:55:09 GMT

That's a nice perk, a 2 day early paycheck ! I will be looking forward to my new card as well !

Re: DCU strikes again ! Sweet !

Anonymous — Tue, 28 May 2013 17:33:18 GMT

Congrats ! DCU is a great CU. fwiw, the DD thing has never been an issue receiving it early for me and I've been with them since 05

Re: DCU strikes again ! Sweet !

kroberts67 — Tue, 28 May 2013 19:38:49 GMT

How does DCU feel about INQ & UT, just for checking/savings acct membership? (not apping for their card yet)

Re: DCU strikes again ! Sweet !

yomellamoFICO2013 — Tue, 28 May 2013 20:15:59 GMT

When I app'ed last month, I had a 31% overall UTIL and 3 INQ in EQ, I got accepted even with a Public Record on my file. They asked about it after I applied for the CC, but granted it anyway, However, YMMV. Good luck !

Re: DCU strikes again ! Sweet !

kroberts67 — Tue, 28 May 2013 20:33:47 GMT

@yomellamoFICO2013 wrote:
When I app'ed last month, I had a 31% overall UTIL and 3 INQ in EQ, I got accepted even with a Public Record on my file. They asked about it after I applied for the CC, but granted it anyway, However, YMMV. Good luck !

Thanks! Refreshing my email every 3 minutes. lol

Re: DCU strikes again ! Sweet !

yomellamoFICO2013 — Tue, 28 May 2013 20:48:28 GMT

FYI I submitted my app via phone call, as I thought it was best to speak to someone about the Public Record (which they did). DCU CSRs are known to be friendly and polite, which was another reason I did it on the internet (may have gotten turned down by a computer algorythim formula LOL ).