topic Re: In with DCU finally in Credit Card Approvals

In with DCU finally-Frozen-then released for use-then closed and reopened

12njoy — Thu, 27 Oct 2016 01:34:18 GMT

Loan Status Detail

Application Information
Application Status	INSTANT APPROVED	Application Number	XXXXXXX
Comments
Stipulations	MOST RECENT PAYSTUB

Lender Information
Lender	Digital Federal Credit Union
Address	220 Donald Lynch Blvd.
City	Marlborough	State	MA
Zip	01752	Phone	(508) 263-6700

Card Information
Requested Card	Approved Card	DCU Platinum Visa
Second Card Holder	Credit Limit	$7,500.00

Re: In with DCU finally

Anonymous — Fri, 26 Aug 2016 23:50:36 GMT

$6050 to go!

Re: In with DCU finally

Anonymous — Fri, 26 Aug 2016 23:53:01 GMT

Congrats 12! I have a Platinum with them also as well as car loans and checking account . DCU is a great CU

Re: In with DCU finally

12njoy — Fri, 26 Aug 2016 23:53:20 GMT

@Anonymous wrote:
$6050 to go!

Thanks. You know of anyone with two DCU cards?

Re: In with DCU finally

12njoy — Fri, 26 Aug 2016 23:54:33 GMT

@Anonymous wrote:
Congrats 12! I have a Platinum with them also as well as car loans and checking account . DCU is a great CU

Thanks. Two years ago, they denied me and I closed my account with them. At that time, I was denied due to inq's and new accounts. Both of these conditions still apply but what a turnaround

Re: In with DCU finally

12njoy — Sat, 27 Aug 2016 00:04:38 GMT

Just called DCU about rate/score. rate is 11.49% and EQ was 696. Said I could apply for a 2nd card using same pull

Re: In with DCU finally

CreditMagic7 — Sat, 27 Aug 2016 00:07:17 GMT

@Anonymous wrote:
$6050 to go!

Less than 48 hours to go

Congrats! 12njoy on landing another popular CU from the pack.

Re: In with DCU finally

CreditMagic7 — Sat, 27 Aug 2016 00:09:17 GMT

@12njoy wrote:
Just called DCU about rate/score. rate is 11.49% and EQ was 696. Said I could apply for a 2nd card using same pull

Make that 15 minutes to go to $800K LoL

Re: In with DCU finally

12njoy — Sat, 27 Aug 2016 00:10:23 GMT

@CreditMagic7 wrote:
@Anonymous wrote:
$6050 to go!
Less than 48 hours to go
Congrats! 12njoy on landing another popular CU from the pack.

Thanks CM7. I guess I'll go ahead and submit for 2nd card. It seems they don't have a LOC product

Re: In with DCU finally

Anonymous — Sat, 27 Aug 2016 00:12:04 GMT

Congtrats, I also have DCU products including a car refinance at 1.74% and the Platinum 10K at 8.75%, checking and savings. I joined and was approved for everything 60 days ago.

Very unlikely you will get a second card for at least a year. I have a branch next town over. They are a great CU. But they are very conservative.

I hope I am wrong and come back and say you were approved for a second card!!

Re: In with DCU finally

Anonymous — Sat, 27 Aug 2016 00:13:10 GMT

Amazing 12njoy 👍👍👍👍👍 you are one step closer to the 800k 🎖🎖🎖🎖a celebration 🍺🍷🍸🍹

Re: In with DCU finally

12njoy — Sat, 27 Aug 2016 00:13:39 GMT

@Anonymous wrote:
Congtrats, I also have DCU products including a car refinance at 1.74% and the Platinum 10K at 8.75%, checking and savings. I joined and was approved for everything 60 days ago.

Very unlikely you will get a second card for at least a year. I have a branch next town over. They are a great CU. But they are very conservative.

I hope I am wrong and come back and say you were approved for a second card!!

Thanks Donny. I guess no harm, no foul at this point since it's the same pull. I wish they truly had instant decisions but I'll have to wait until tomorrow for decision

Re: In with DCU finally

Anonymous — Sat, 27 Aug 2016 00:18:43 GMT

@12njoy wrote:
@Anonymous wrote:
Congtrats, I also have DCU products including a car refinance at 1.74% and the Platinum 10K at 8.75%, checking and savings. I joined and was approved for everything 60 days ago.

Very unlikely you will get a second card for at least a year. I have a branch next town over. They are a great CU. But they are very conservative.

I hope I am wrong and come back and say you were approved for a second card!!
Thanks Donny. I guess no harm, no foul at this point since it's the same pull. I wish they truly had instant decisions but I'll have to wait until tomorrow for decision

Good luck! Your pull is good for 45 days. Did you apply over the phone or online? If you apply on the phone you have a better chance for a decision while on the phone.

Re: In with DCU finally

CreditMagic7 — Sat, 27 Aug 2016 00:18:29 GMT

@12njoy wrote:
@Anonymous wrote:
Congtrats, I also have DCU products including a car refinance at 1.74% and the Platinum 10K at 8.75%, checking and savings. I joined and was approved for everything 60 days ago.

Very unlikely you will get a second card for at least a year. I have a branch next town over. They are a great CU. But they are very conservative.

I hope I am wrong and come back and say you were approved for a second card!!
Thanks Donny. I guess no harm, no foul at this point since it's the same pull. I wish they truly had instant decisions but I'll have to wait until tomorrow for decision

Well 12njoy, here we go again

Will it be DCU or will it fall to someone else that brings it home for you this time.

Re: In with DCU finally

12njoy — Sat, 27 Aug 2016 00:19:20 GMT

Thanks Mia

Re: In with DCU finally

12njoy — Sat, 27 Aug 2016 00:20:27 GMT

@Anonymous wrote:
@12njoy wrote:
@Anonymous wrote:
Congtrats, I also have DCU products including a car refinance at 1.74% and the Platinum 10K at 8.75%, checking and savings. I joined and was approved for everything 60 days ago.

Very unlikely you will get a second card for at least a year. I have a branch next town over. They are a great CU. But they are very conservative.

I hope I am wrong and come back and say you were approved for a second card!!
Thanks Donny. I guess no harm, no foul at this point since it's the same pull. I wish they truly had instant decisions but I'll have to wait until tomorrow for decision
Good luck! Your pull is good for 45 days. Did you apply over the phone or online? If you apply on the phone you have a better chance for a decision while on the phone.

for this card it was online. I'll call and see if they can tell me. Loan officers are gone for the night now though.

Re: In with DCU finally

12njoy — Sat, 27 Aug 2016 00:21:03 GMT

@CreditMagic7 wrote:
@12njoy wrote:
@Anonymous wrote:
Congtrats, I also have DCU products including a car refinance at 1.74% and the Platinum 10K at 8.75%, checking and savings. I joined and was approved for everything 60 days ago.

Very unlikely you will get a second card for at least a year. I have a branch next town over. They are a great CU. But they are very conservative.

I hope I am wrong and come back and say you were approved for a second card!!
Thanks Donny. I guess no harm, no foul at this point since it's the same pull. I wish they truly had instant decisions but I'll have to wait until tomorrow for decision
Well 12njoy, here we go again

Will it be DCU or will it fall to someone else that brings it home for you this time.

Most likely someone else

Re: In with DCU finally

Anonymous — Sat, 27 Aug 2016 00:57:48 GMT

Congratulations on the first account with DCU...will be rooting for you for the second one.

I have an account with them, but was denied in Jan. (too many inq/new credit).

Will keep it for awhile and see if anything comes of it, or I'll be moving on.

I need to sit tight for awhile as far as apps, so thanks for keeping things fun and interesting while I wait.

Re: In with DCU finally

12njoy — Sat, 27 Aug 2016 00:58:21 GMT

arrrrrr. Couldn't use the EQ pull from today. Authorized a TU pull which is a lot higher (762) as of August 19, 2016 but with 83 inq's . Was told that since I was just approved today for the one card, they would have to send it to the main office for decision. Interesting enough he said an UW did review this application but because of the approval today it would have to be reviewed by the main office. I guess at least it's not a flat out denial. He said they are open tomorrow and should be contacting me tomorrow. I will call them tomorrow at 9am anyway for finalizing the Platinum Visa application with the documents I uploaded.

Re: In with DCU finally

12njoy — Sat, 27 Aug 2016 01:02:23 GMT

@Anonymous wrote:
Congratulations on the first account with DCU...will be rooting for you for the second one.
I have an account with them, but was denied in Jan. (too many inq/new credit).
Will keep it for awhile and see if anything comes of it, or I'll be moving on.

I need to sit tight for awhile as far as apps, so thanks for keeping things fun and interesting while I wait.

Thanks. That's me, fun and interesting