topic Re: Spring forward into DCU in Credit Card Approvals

Spring forward into DCU

Mv350 — Fri, 13 Mar 2020 22:31:52 GMT

So I have been on a little spree I guess. I have been reading about DCU for a while, and have been preparing to apply with them. Mainly trying to get their killer refi rate on my car. So I applied and opened a savings account online early this morning. Well that got the juices flowing!

I pulled the trigger on the Platinum Visa, instantly approved for $5,000.00 SL!

I had to upload my most recent pay stub, no biggie. That's my largest bankcard SL ever!

They pulled EQ not sure which yet, assuming mortgage 5 which is what everyone says. My most recent pull put it at 682 on the 16th

No negatives

10% utilization

Since that pull my utilization has gone down a little and my EQ8 has gone up.

I'll update if needed after they reach out to me this week😎

EDIT: Just got off the phone with DCU, membership for the savings was approved along with the Plat Visa @ 16.75% $5,000 SL

So far very smooth experience.

Edit: Set up online banking, my first fico score provided by DCU has EQ @ 674 this might be what they had at the time of approval

Re: Spring forward into DCU

Anonymous — Sun, 08 Mar 2020 14:31:26 GMT

Congratulations on your approval! 👍

Re: Spring forward into DCU

tcbofade — Sun, 08 Mar 2020 14:37:22 GMT

Congrats!

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 15:06:35 GMT

@Anonymous wrote:
Congratulations on your approval! 👍

Thank you!

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 15:06:53 GMT

@tcbofade wrote:
Congrats!

Thanks Taco!

Re: Spring forward into DCU

Anonymous — Sun, 08 Mar 2020 15:34:58 GMT

Congrats on your approval!

Re: Spring forward into DCU

gdale6 — Sun, 08 Mar 2020 15:49:06 GMT

Congrats on getting the card That 6% APR on the first 1K in savings is enticing.

Re: Spring forward into DCU

M_Smart007 — Sun, 08 Mar 2020 16:01:50 GMT

Congratulations!

Re: Spring forward into DCU

Anonymous — Sun, 08 Mar 2020 16:30:56 GMT

@Mv350 wrote:
... I had to upload my most recent pay stub ...

Interesting -- I wonder what they require of the self-employed?

Congrats! on your approval. And thanks for the DPs -- good stuff.

Re: Spring forward into DCU

AllZero — Sun, 08 Mar 2020 16:31:39 GMT

Congratulations on your approval!

They pull EQ5 and give free monthly score.

Re: Spring forward into DCU

Dreams_Come_True — Sun, 08 Mar 2020 17:02:33 GMT

Congrats on your approval!

Re: Spring forward into DCU

Anonymous — Sun, 08 Mar 2020 18:35:42 GMT

Another gardener jumping the fence!

Congrats! DCU is pretty conservative so $5K is impressive with that score. I have a 688 and I'm still stuck at my $1K SL 13 months later.

Re: Spring forward into DCU

Traveler101 — Sun, 08 Mar 2020 18:55:44 GMT

Congrats!

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 21:52:12 GMT

@Anonymous wrote:
Congrats on your approval!

Thank you!

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 21:55:25 GMT

@gdale6 wrote:
Congrats on getting the card That 6% APR on the first 1K in savings is enticing.

Thank you! My plan by the end of the year is to take advantage of that 6% !

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 21:55:43 GMT

@M_Smart007 wrote:
Congratulations!

Thanks Smart!

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 21:57:05 GMT

@Anonymous wrote:
@Mv350 wrote:
... I had to upload my most recent pay stub ...
Interesting -- I wonder what they require of the self-employed?
Congrats! on your approval. And thanks for the DPs -- good stuff.

My guess would be tax returns, but that's just a guess.

Thank you!

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 21:59:09 GMT

@AllZero wrote:
Congratulations on your approval!

They pull EQ5 and give free monthly score.

Thank you! I figured, everything I read pointed in that direction!

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 21:59:38 GMT

@Dreams_Come_True wrote:
Congrats on your approval!

Thank you!

Re: Spring forward into DCU

Mv350 — Sun, 08 Mar 2020 22:06:43 GMT

@Anonymous wrote:
Another gardener jumping the fence!

Congrats! DCU is pretty conservative so $5K is impressive with that score. I have a 688 and I'm still stuck at my $1K SL 13 months later.

Thank you!

I was extremely surprised myself! EQ has been my one clean report since November. The only numbers I have are almost a month old at this point. I joined a CU about 5 months ago, but they were super conservative, and only pulled EX so I wasn't seeing any love at all.