topic Thank You DCU! in Credit Card Approvals

Thank You DCU!

joeyh2007 — Wed, 19 Dec 2012 00:10:26 GMT

So I have seen many good things on these boards recently about DCU, leading me to check out their credit cards. I saw that their cards have no BT fee. That did it for me. I have some money on CapOne remaining and one of my other cards, so I wanted to transfer and then close out CapOne FOREVER.

I applied this afternoon and was given the processing message.

An hour later, I spoke to a very nice gentleman who said I was approved for $3000, so I asked if I could have $5000 to do the BT and have $3500 credit available. He put me on hold and came back to tell me that $5000 was ok with an APR of 11.65% He also offered to refi my car at 2.4% based on my EQ FICO of 675.

Now all I have to do is send in some verification to open the card and the CU membership and I should have my FIRST $5000 limit card to start the new year. My Christmas present came a week early.

Re: Thank You DCU!

MountainHiker — Wed, 19 Dec 2012 00:18:20 GMT

@joeyh2007 wrote:
So I have seen many good things on these boards recently about DCU, leading me to check out their credit cards. I saw that their cards have no BT fee. That did it for me. I have some money on CapOne remaining and one of my other cards, so I wanted to transfer and then close out CapOne FOREVER.

I applied this afternoon and was given the processing message.

An hour later, I spoke to a very nice gentleman who said I was approved for $3000, so I asked if I could have $5000 to do the BT and have $3500 credit available. He put me on hold and came back to tell me that $5000 was ok with an APR of 11.65% He also offered to refi my car at 2.4% based on my EQ FICO of 675.

Now all I have to do is send in some verification to open the card and the CU membership and I should have my FIRST $5000 limit card to start the new year. My Christmas present came a week early.

Congratulations! DCU is a fantastic CU.I just recently signed up with them and was approved for $3K just like you.And just like you I'm thinking about asking for a credit increase to my limit. Enjoy that card!!! Take good care of them and they will take good care of you.

Re: Thank You DCU!

Epcot — Wed, 19 Dec 2012 00:56:54 GMT

That's great, Congrats!

Re: Thank You DCU!

knoregs — Wed, 19 Dec 2012 01:02:32 GMT

Very nice!

~kn

Re: Thank You DCU!

Jutz — Wed, 19 Dec 2012 01:14:46 GMT

Open a checking account! You can save .5% off the auto APR! They have 1.99% if you have a checking account with direct deposit and auto pay on the loan

Re: Thank You DCU!

Rhaeny — Wed, 19 Dec 2012 01:24:20 GMT

Congrats!!

DCU has been great for me as well. And when your score goes up, give them a call and they will reduce your APR.

Re: Thank You DCU!

Anonymous — Wed, 19 Dec 2012 01:26:40 GMT

@Rhaeny wrote:
Congrats!!

DCU has been great for me as well. And when your score goes up, give them a call and they will reduce your APR.

Will they HP?

Re: Thank You DCU!

MountainHiker — Wed, 19 Dec 2012 01:41:12 GMT

Discovering the upside of CUs for me has been like looking every where for a good woman to love only to find her living right next door all this time.Credit Unions are the way to go. DCU also has pretty good rates on CDs. Better than the banks can offer.

Re: Thank You DCU!

ObeyJohnny12 — Wed, 19 Dec 2012 01:54:45 GMT

Congrats! By any chance what are the requirements to join DCU? I saw their website but i'm not sure if i can join.

What do they ask for? I read so many postive things about CU especially NFCU (can't join unfortunately) and DCU.

Re: Thank You DCU!

joeyh2007 — Wed, 19 Dec 2012 02:02:31 GMT

@ObeyJohnny12 wrote:
Congrats! By any chance what are the requirements to join DCU? I saw their website but i'm not sure if i can join.
What do they ask for? I read so many postive things about CU especially NFCU (can't join unfortunately) and DCU.

To join, they asked me to open a savings acct. and make a $10 donation to a charity that they support. Not a problem considering the product and level of customer service.

Re: Thank You DCU!

MountainHiker — Wed, 19 Dec 2012 02:10:07 GMT

@ObeyJohnny12 wrote:
Congrats! By any chance what are the requirements to join DCU? I saw their website but i'm not sure if i can join.
What do they ask for? I read so many postive things about CU especially NFCU (can't join unfortunately) and DCU.

NFCU requires a military connection eg a family member,roommate or you serving in the military.DCU have cetain requirements as well but not the military requirement.You can just make a charitable donation of $10.00 for children education and that will get you in. A donation at this time due to current events is a nice gesture. DCU is probablt a close second to NFCU.Both are a smart choice.They offered me a refinance for my auto loan. I have DCU LOVE!!

Re: Thank You DCU!

ObeyJohnny12 — Wed, 19 Dec 2012 02:21:06 GMT

Ohh okay then thanks. I would love to join NFCU but i have no family, friends in the military. So DCU is the closest I can get. Also one more question. When applying for a CC is it a guaranteed approval or not?

Re: Thank You DCU!

MountainHiker — Wed, 19 Dec 2012 02:37:48 GMT

@ObeyJohnny12 wrote:
Ohh okay then thanks. I would love to join NFCU but i have no family, friends in the military. So DCU is the closest I can get. Also one more question. When applying for a CC is it a guaranteed approval or not?

Only death and taxes are guarenteed! Your scores are decent you'll be fine apping with a CU card.

Re: Thank You DCU!

Anonymous — Wed, 19 Dec 2012 02:58:51 GMT

@ObeyJohnny12 wrote:
Ohh okay then thanks. I would love to join NFCU but i have no family, friends in the military. So DCU is the closest I can get. Also one more question. When applying for a CC is it a guaranteed approval or not?

I was approved for the unsecured Visa Platinum based on my income because I had a thin file.

Re: Thank You DCU!

ObeyJohnny12 — Wed, 19 Dec 2012 03:04:13 GMT

Nice. I just made a savings account and made a 10 dollar donation. i guess i'm just waiting to be approved. (is a checkings account neccesary to be made) Sorry OP i don't mean to steal your thread.

Re: Thank You DCU!

MountainHiker — Wed, 19 Dec 2012 06:43:46 GMT

@ObeyJohnny12 wrote:
Nice. I just made a savings account and made a 10 dollar donation. i guess i'm just waiting to be approved. (is a checkings account neccesary to be made) Sorry OP i don't mean to steal your thread.

You need only a savings account for approval, but their checking is a good product because you earn .05 % interest