topic DCU Platinum Visa Approval in Credit Card Approvals

DCU Platinum Visa Approval

H14 — Mon, 16 Jun 2014 22:41:56 GMT

So there I was, looking at credit union options when I found DCU. NCFU and PENFED are out for me, no way to get in. I'd heard DCU was pretty damn good and a 10$ donation to an organization they partner with gets you qualified for membership [assuming no existing qualifications]. Their free EQ fico score is a major attractor too. I got near the end of the membership application when they told me I was pre approved for the Platinum Visa at $5000 CL. Wasn't planning on acquiring another card but have the CC with them plus electronic statements gets me free atm use, so I went for it. The membership itself was instantly approved

They asked me to call today [via an email notification] and in a few minutes after providing some extra information to them, they informed me I was approved with 8.5% APR, which I'm proud of despite that I may never need it!

Re: DCU Platinum Visa Approval

Carrie_in_Pa — Mon, 16 Jun 2014 22:45:12 GMT

Sweet !!!

I checked out DCU last week but i am still shopping around.

Re: DCU Platinum Visa Approval

IamB2 — Mon, 16 Jun 2014 22:52:38 GMT

@H14 wrote:
So there I was, looking at credit union options when I found DCU. NCFU and PENFED are out for me, no way to get in. I'd heard DCU was pretty damn good and a 10$ donation to an organization they partner with gets you qualified for membership [assuming no existing qualifications]. Their free EQ fico score is a major attractor too. I got near the end of the membership application when they told me I was pre approved for the Platinum Visa at $5000 CL. Wasn't planning on acquiring another card but have the CC with them plus electronic statements gets me free atm use, so I went for it. The membership itself was instantly approved

They asked me to call today [via an email notification] and in a few minutes after providing some extra information to them, they informed me I was approved with 8.5% APR, which I'm proud of despite that I may never need it!

Congrats on your approval. During the approval process, did they pull a CRA? If so, which one did they pull? I would love to be a part of DCU, but after my recent spree, (4 cards since April) I really don't need another pull

Re: DCU Platinum Visa Approval

coldnmn — Mon, 16 Jun 2014 22:53:44 GMT

Congrats! Thanks for sharing.

Re: DCU Platinum Visa Approval

gdale6 — Mon, 16 Jun 2014 23:40:13 GMT

@H14 wrote:
So there I was, looking at credit union options when I found DCU. NCFU and PENFED are out for me, no way to get in. I'd heard DCU was pretty damn good and a 10$ donation to an organization they partner with gets you qualified for membership [assuming no existing qualifications]. Their free EQ fico score is a major attractor too. I got near the end of the membership application when they told me I was pre approved for the Platinum Visa at $5000 CL. Wasn't planning on acquiring another card but have the CC with them plus electronic statements gets me free atm use, so I went for it. The membership itself was instantly approved

They asked me to call today [via an email notification] and in a few minutes after providing some extra information to them, they informed me I was approved with 8.5% APR, which I'm proud of despite that I may never need it!

Grats on your new DCU card

Re: DCU Platinum Visa Approval

H14 — Mon, 16 Jun 2014 23:49:20 GMT

Thanks !

And they pulled Equifax for me. I've read that's what they always pull too.

Re: DCU Platinum Visa Approval

Tony275 — Tue, 17 Jun 2014 01:22:46 GMT

Congrats! Love DCU!! They pulled EQ for me, as well.

Re: DCU Platinum Visa Approval

IamB2 — Tue, 17 Jun 2014 01:26:14 GMT

Great, thanks guys!

Re: DCU Platinum Visa Approval

alvon123 — Tue, 17 Jun 2014 17:28:40 GMT

congrats

Re: DCU Platinum Visa Approval

H14 — Tue, 17 Jun 2014 18:55:26 GMT

Thought I'd mention for anyone curious, they did 2 hard pulls [both EQ], I guess the first for membership and the second the next day for the CC. Seems a little redundant doing 2 so close together, but oh well.

Re: DCU Platinum Visa Approval

tonyjones — Tue, 17 Jun 2014 19:29:56 GMT

Congrats, you have a nice collection of cards now. What was your FICO score when applying?

Re: DCU Platinum Visa Approval

H14 — Tue, 17 Jun 2014 21:02:16 GMT

@tonyjones wrote:
Congrats, you have a nice collection of cards now. What was your FICO score when applying?

Thanks! According to scorewatch it was 749.