topic Re: DCU feedback auto refinance. in Auto Loans

DCU feedback auto refinance.

Anonymous — Tue, 30 Mar 2021 18:11:23 GMT

So I applied and got approved for a 3.29 auto refinance. But man it's been a pain dealing with them. Had issues setting up membership. Just having to contact them over and over.

Having second thoughts about having my auto loan at a place that's been difficult to setup.

Re: DCU feedback auto refinance.

Anonymous — Tue, 30 Mar 2021 19:49:14 GMT

I use DCU as my primary bank even though no branches in my state.

If I need to do a branch type transaction I can go to partner credit unions and there is one in my town.

I have had them a few years and don't recall issues setting up the account.

I do know from my daughters that if you don't bank with them it's not as simple to pay credit cards and loans.

Since I do bank with them I am just transfering from one account to another and it instantly posts even credit card payments.

I like them very much and wouldn't shy away from them despite long holds sometimes.

Re: DCU feedback auto refinance.

Anonymous — Tue, 30 Mar 2021 22:02:52 GMT

@Anonymous wrote:
So I applied and got approved for a 3.29 auto refinance. But man it's been a pain dealing with them. Had issues setting up membership. Just having to contact them over and over.

Having second thoughts about having my auto loan at a place that's been difficult to setup.

I was approved for auto loan refinance at 3.29% also. I had issues with them to establish membership. I didn't proceed with the auto loan since not much difference with my current auto loan. I did get their credit card their service seems fine now. They do have an option when you call that they will call you back when it's your turn.

Re: DCU feedback auto refinance.

Anonymous — Tue, 30 Mar 2021 22:32:30 GMT

Yeah its been a process to get my membership and I'm still waiting. I didn't finish uploading my ID yesterday and it timed out. Then I went back to upload and it said it would send me an email to setup password and no email would come through.

I had to call them today and they had to send me the password. I uploaded the ID and haven't got a member number or anything with the terms of the loan. So still waiting. Seems like they could streamline their service a bit better.

I've been using their call back feature. I've had to make several calls already. I think I'll throw an app at Nusenda and thinking about USAA although it doesn't show the rates.

3.29 has been on the lower side of what I've seen. Gonna hate having to switch over direct deposit though.

Re: DCU feedback auto refinance.

Anonymous — Tue, 30 Mar 2021 22:50:28 GMT

@Anonymous wrote:
Yeah its been a process to get my membership and I'm still waiting. I didn't finish uploading my ID yesterday and it timed out. Then I went back to upload and it said it would send me an email to setup password and no email would come through.

I had to call them today and they had to send me the password. I uploaded the ID and haven't got a member number or anything with the terms of the loan. So still waiting. Seems like they could streamline their service a bit better.

I've been using their call back feature. I've had to make several calls already. I think I'll throw an app at Nusenda and thinking about USAA although it doesn't show the rates.

3.29 has been on the lower side of what I've seen. Gonna hate having to switch over direct deposit though.

They offered me 2.79 if I moved over direct deposit. I am not willing to leave my current bank for them.

Re: DCU feedback auto refinance.

Anonymous — Tue, 30 Mar 2021 22:57:21 GMT

@AnonymousYou should have recieved a email from them about important message about your app, when you click on link and enter your info, and it will show all your applications, turn your phone sideways to landscape and scroll to right and it will state actions needed.

Re: DCU feedback auto refinance.

Anonymous — Tue, 30 Mar 2021 23:17:25 GMT

Yeah I did that. Uploaded ID. Now says submitted for review . So guess I have to wait to have membership approved.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 00:23:58 GMT

@Anonymous wrote:
Yeah I did that. Uploaded ID. Now says submitted for review . So guess I have to wait to have membership approved.

You can call their credit department at extension 9150 and ask them to contact new account membership department to expedite so you can finalize your refinance.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 00:42:00 GMT

Good idea I'll give them a ring tomorrow. So if I applied now for a card while my membership is pending I still get a response right away and it knows not to do a hard pull?

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 00:55:29 GMT

@Anonymous wrote:
Good idea I'll give them a ring tomorrow. So if I applied now for a card while my membership is pending I still get a response right away and it knows not to do a hard pull?

https://ficoforums.myfico.com/t5/Credit-Card-Applications/DCU-one-pull-for-multiple-products/td-p/5210140

It should be one pull when you apply within 30 days from original app. They only pulled once for me even both apps were done online.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 01:51:22 GMT

It doesn't list the rewards structure for the visa rewards card. Just says you can earn points. They need to update their page a bit. Hard to tell if it's worth it. Apr is nice for a rewards card though.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 03:11:31 GMT

@Anonymous wrote:
It doesn't list the rewards structure for the visa rewards card. Just says you can earn points. They need to update their page a bit. Hard to tell if it's worth it. Apr is nice for a rewards card though.

https://www.nerdwallet.com/card-details/card-name/Digital-Federal-Credit-Union-Rewards-Visa-Credit-Card

I originally applied for the rewards credit card. They offered me to choose between rewards and regular card online. They showed both apr and I went with platinum card instead.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 16:02:49 GMT

Just got off the phone and they asked me how much of credit line I wanted. I said the largest possible.

They offered 7500 at 11.25 or 11.5. Can't remember which apr but it was 11 something.

Was kinda hoping for a limit above 10k. How often do they do cli?

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 20:13:34 GMT

@Anonymous wrote:
Just got off the phone and they asked me how much of credit line I wanted. I said the largest possible.

They offered 7500 at 11.25 or 11.5. Can't remember which apr but it was 11 something.

Was kinda hoping for a limit above 10k. How often do they do cli?

Congrats on your approval! Did you apply over the phone?

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 20:35:09 GMT

While I was on the phone I asked if I was approved for a card and she talked to the underwriter.

She said when my loan was approved I could accept it.

Just finished getting the membership done. Was crazy had to resubmit so many documents. Felt like buying a house just to get the membership. Heck the loan was easy but the membership part took tons of time.

Now when I login I see all these pre-qualified offers. It shows a plantium visa asking how much credit I would like and basic app questions. I wanted the rewards one but it doesn't show up. So not sure how that works if I should just go to the main page and try from there. I mean the rewards isn't special it's like 1 point per dollar so nothing big so idk.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 20:44:28 GMT

@Anonymous wrote:
While I was on the phone I asked if I was approved for a card and she talked to the underwriter.

She said when my loan was approved I could accept it.

Just finished getting the membership done. Was crazy had to resubmit so many documents. Felt like buying a house just to get the membership. Heck the loan was easy but the membership part took tons of time.

Now when I login I see all these pre-qualified offers. It shows a plantium visa asking how much credit I would like and basic app questions. I wanted the rewards one but it doesn't show up. So not sure how that works if I should just go to the main page and try from there. I mean the rewards isn't special it's like 1 point per dollar so nothing big so idk.

I doubt they will approve you for two cards. Did you accept the $7,500 limit card? If yes, you can ask them to convert to platinum rewards. It's very easy process.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 21:44:35 GMT

I didn't mention the card when i called back to finished the membership. I only want one card just the rewards. But the platinum is coming up pre-qualified.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 22:06:47 GMT

@Anonymous wrote:
I didn't mention the card when i called back to finished the membership. I only want one card just the rewards. But the platinum is coming up pre-qualified.

When I submitted for rewards card I was given option on next screen to pick out of two of them.

Re: DCU feedback auto refinance.

Anonymous — Wed, 31 Mar 2021 22:50:00 GMT

@AnonymousThe reps i spoke with said they use the same pull for 45 days. Thats just what I was told so dont listen to me, I would call for yourself to be sure. I only had one pull for all : cc applied first then membership then personal loan

Note the best time to call from my experience is a hour before they close, no waiting time

Re: DCU feedback auto refinance.

Anonymous — Sun, 04 Apr 2021 06:50:20 GMT

I finally decided I would app for the card so I just clicked on the apply link in my page and it said they would be in touch with me. So not sure how that works. They told me I was approved for 7500 on the phone but on the app I put 15000 on the limit desired.