topic Re: DCU in Personal Finance

DCU

razzy116 — Mon, 18 Jan 2021 04:45:38 GMT

I have a savings account with DCU, does it help that having a savings account to get a credit card down the road? i am not appying, i will repeat i am not appying. Thank you and be safe.

Re: DCU

AllZero — Mon, 18 Jan 2021 04:49:52 GMT

@razzy116 wrote:
I have a savings account with DCU, does it help that having a savings account to get a credit card down the road? i am not appying, i will repeat i am not appying. Thank you and be safe.

Possibly, if your profile fits their criteria for SP offers. If not, it'll be a EQ5 HP if you apply.

Enjoy your 6.17% APY on savings and free monthly EQ5 score.

Re: DCU

Slabenstein — Mon, 18 Jan 2021 17:11:49 GMT

Since they're a CU, you wouldn't be able to apply for any credit products w/o membership, so I guess it helps in that sense.

Re: DCU

razzy116 — Tue, 19 Jan 2021 02:35:23 GMT

@AllZero wrote:
@razzy116 wrote:
I have a savings account with DCU, does it help that having a savings account to get a credit card down the road? i am not appying, i will repeat i am not appying. Thank you and be safe.
Possibly, if your profile fits their criteria for SP offers. If not, it'll be a EQ5 HP if you apply.

Enjoy your 6.17% APY on savings and free monthly EQ5 score.

Where on the website would i see the offers? Thank you and be safe.

Re: DCU

AllZero — Tue, 19 Jan 2021 02:48:31 GMT

@razzy116 wrote:
@AllZero wrote:
@razzy116 wrote:
I have a savings account with DCU, does it help that having a savings account to get a credit card down the road? i am not appying, i will repeat i am not appying. Thank you and be safe.
Possibly, if your profile fits their criteria for SP offers. If not, it'll be a EQ5 HP if you apply.

Enjoy your 6.17% APY on savings and free monthly EQ5 score.
Where on the website would i see the offers? Thank you and be safe.

I'm not on their website at the moment. I think it's the loans tab or one of tabs? I'll verify once I'm in front of a computer.

Re: DCU

thornback — Tue, 19 Jan 2021 02:52:20 GMT

@AllZero wrote:
Where on the website would i see the offers? Thank you and be safe.
I'm not on their website at the moment. I think it's the loans tab or one of tabs? I'll verify once I'm in front of a computer.

The Loan Suite tab.

Also shows on the right side of the main screen. I think the "apply now" button is supposed to turn orange or red or burnt-orange or tang or something when you have a pre-approved offer and it'll say "accept offer" or something similar...

Re: DCU

AllZero — Tue, 19 Jan 2021 03:05:16 GMT

@thornback wrote:
@AllZero wrote:
Where on the website would i see the offers? Thank you and be safe.
I'm not on their website at the moment. I think it's the loans tab or one of tabs? I'll verify once I'm in front of a computer.
The Loan Suite tab.

Also shows on the right side of the main screen. I think the "apply now" button is supposed to turn orange or red or burnt-orange or tang or something when you have a pre-approved offer and it'll say "accept offer" or something similar...

Yes, that's it! You are correct.

@razzy116

Apply now = HP. I do not recommend it.

Accept offer = SP. It's some sort of orange button.

Re: DCU

coldfusion — Tue, 19 Jan 2021 12:19:40 GMT

Picture being worth 1000 words applies here.

Green button means a cold app and a HP.

Orange button with "Accept Offer" is a preapproval and is a SP.

Re: DCU

AverageJoesCredit — Tue, 19 Jan 2021 14:09:36 GMT

@coldfusion wrote:

Picture being worth 1000 words applies here.

Green button means a cold app and a HP.
Orange button with "Accept Offer" is a preapproval and is a SP.

Return of the Mack😆

Re: DCU

DaveInAZ — Tue, 19 Jan 2021 14:13:14 GMT

@Slabenstein wrote:
Since they're a CU, you wouldn't be able to apply for any credit products w/o membership, so I guess it helps in that sense.

Actually they do let you apply for a credit product w/o membership, you just need to join to finalize it. I applied for car loan refi in 2017 and on approval I became a member.