topic Re: Alive or Dead in Credit Cards

DC Power VISA

Anonymous — Sun, 06 Oct 2019 05:58:32 GMT

So @Anonymous posted about this in news but I think it could use some exposure here.

DC teamed up with UMB to make a DC rewards card. It's 3X on select entertainment (movie theaters, cable and internet, and video game stores), 2X on dining and gas, 1X everywhere else.

The point program is not fantastic. Cash back redemption is $25 for 3K points which makes the points worth .833cpp but the value does go to 1cpp when you redeem for $100 and $50 is .909cpp.

There are perks like 10% off DCU Universe annual subscriptions, 10% off DC merchandise at shopdcentertainment.com, and 20% off WB Studio Tour Hollywood tickets, merchandise and food.

Obviously the card designs are the big draw... and I have long said that I would go wild for a Wonder Woman card. Well it exists now.

Since it's backed by UMB, I am curious to see what kind of credit requirements they will have but I did note that their APRs are much higher than they are for the Simply Rewards core card, going all the way to 26.24% which makes me wonder if they are going to be more lenient with this card.

I am gardening and I am sticking to my commitment to garden but I would be lying if I said I have no interest in this one. It's purely the Wonder Woman fan in me -- I grew up watching the old show with my mom and I loved the movie -- I will fully admit this is a vanity card.

They have an awesome 80th anniversary limited edition Batman card too.

They also have Superman, Flash, Justice League, Harley Quinn, and classic Batman.

https://dcpowervisa.dccomics.com

Re: DC Power VISA

Andypanda — Sun, 06 Oct 2019 06:54:34 GMT

If i was just into the looks of a card, I would get it. But the rewards are just not worth it for me. I have too many card that are much bettervalue, tgat i am going to app for first.

Is the card with Superman made if steel in honor of the man of steel?

have always been a bigger dc fan over Marvel.

Re: DC Power VISA

kdm31091 — Sun, 06 Oct 2019 12:45:07 GMT

Cool looking cards but the value proposition is weak. 2% everywhere cards are a dime a dozen, or 3% for a year with Discover miles etc. 3x points on certain things, with limited value unless you save up a ton, just isn’t a good deal.

Re: DC Power VISA

AverageJoesCredit — Sun, 06 Oct 2019 13:16:10 GMT

Wow, i could care less about the rewards, i have enough reward cards for my poorself. If you are a fan of superheroes or credit cards in general its ok to treat yourself. I definetly would apply but im 100% because of the lender i wouldnt get approved or , i havent checked yet, i wouldnt be able to apply due to my location. Darn it i want my Superman card!. The B as tman card is sic too

Re: DC Power VISA

CreditCuriosity — Sun, 06 Oct 2019 13:36:19 GMT

Be interesting to see if a) they offer instant approval (as their other cards don't it appears) b) if they are more credit relaxed think syncrony as they are known to be a conservative bank. I would think they would have to offer instant approvals or this card will gain no traction also probably b as well being they got to be a bit more lenient on UW as most super hero people probably dont have 750-800 scores. Be interesting to see a GP datapoint. I kinda bet they will be cheap on approval amounts as well. The marvel card outdoes this card, but interesting card none the less.

Definitely a strange lender to team up kinda like overstock MC used FNBO at the time if i remember correctly not a good lender for their client. Comenity would of been a better pick for them as they couldnt use Sync due to Marvel.

Re: DC Power VISA

AverageJoesCredit — Sun, 06 Oct 2019 13:34:44 GMT

Ok guys , this is one of my goal cards , hate me hate i dont care lol , ive aleays wanted a Superman card and i still want an NBA card. Ive already unlocked or unfroze in prep to apply. You only live once . I do have fraud alerts on so that might hurt me and im in a weird location to apply but they do have my location so here goes nothing. Crap, i throw more hps away for nothing at least now im shooting for something lol. My heart struggles with the L.E Batman card as i have no vertical cards and it looks sweet. But i gotta stay yrue to CK Thsnks @Anonymous for posting

Re: DC Power VISA

CreditCuriosity — Sun, 06 Oct 2019 13:41:10 GMT

@AverageJoesCredit wrote:
Ok guys , this is one of my goal cards , hate me hate i dont care lol , ive aleays wanted a Superman card and i still want an NBA card. Ive already unlocked or unfroze in prep to apply. You only live once . I do have fraud alerts on so that might hurt me and im in a weird location to apply but they do have my location so here goes nothing. Crap, i throw more hps away for nothing at least now im shooting for something lol. My heart struggles with the L.E Batman card as i have no vertical cards and it looks sweet. But i gotta stay yrue to CK Thsnks @Anonymous for posting

Let us know the outcome, but doubt it will be instant certainly with a FA on account. I understand mainly a TU puller from a quick search. I gurantee they had to make this card more easy to get than their other cards since nationwide and will be a big influx of appliations and their target market segment

Re: DC Power VISA

AverageJoesCredit — Sun, 06 Oct 2019 13:41:22 GMT

Thanks @CreditCuriosity

Yeah, figured ill prepare all 3 as i have no clue who they pull. For dp, current ficos TU 732 EX 745 EQ 745+ (?)

Re: DC Power VISA

CreditCuriosity — Sun, 06 Oct 2019 13:49:16 GMT

Going to eat some popcorn and watch a few apps for this today from our big hitters today going for it and digest their results being instants or reviews and SL's, etc.. All my scores are around 800 and TU only has 3 inquiries in last 12 months which they then to use. If dp's are favorable who knows. Some cards I simply don't care about rewards with as I have every imaginable reward card available pretty much. I think since this is sticking out on the CC forum today their will be some apps from as mentioned the people that collect cards. @coldfusion @FinStar @credit_is_crack @woodyman100 @Mahraja to come on out and of course yourself to show us what the outcome is . This semi hard hitter being me will sit on the sidelines till I see a few DP's

Re: DC Power VISA

AverageJoesCredit — Sun, 06 Oct 2019 13:57:16 GMT

Ok, done. No instant. Just well be in touch message. Im so used to hps with zero results im jaded. If i dont get it i look at it positively that at least its not a new tradeline. Im closing in on 3 years aaoa. If i get it , woo hoo!. I loved all the designs. I have the Avengers though i really want the Ironman card. May call in today to see if i can switch designs. Justice League looks sic too. I think you should do it CC, not often we can get cards that make us happy just having it and holding it. Thats reward enough for me🦸‍♂️

Re: DC Power VISA

credit_is_crack — Sun, 06 Oct 2019 14:11:13 GMT

@CreditCuriosity wrote:
Going to eat some popcorn and watch a few apps for this today from our big hitters today going for it and digest their results being instants or reviews and SL's, etc.. All my scores are around 800 and TU only has 3 inquiries in last 12 months which they then to use. If dp's are favorable who knows. Some cards I simply don't care about rewards with as I have every imaginable reward card available pretty much. I think since this is sticking out on the CC forum today their will be some apps from as mentioned the people that collect cards. @coldfusion @FinStar @credit_is_crack @woodyman100 @Mahraja to come on out and of course yourself to show us what the outcome is . This semi hard hitter being me will sit on the sidelines till I see a few DP's

@CreditCuriosity! Thanks @Saeren and @Morpho for sharing. I didn't even know this one existed. Yea the rewards are so-so, but I'm a sucker for a nice looking card and am pretty much set with my rewards setup

I actually don't have any products with UMB. I'm aware of their 3% Legacy card but I'm out of their area. I've been approved for a Macys Amex (last night), Bonvoy Brilliant, BofA Premium Rewards and Discover all in the last 20 days? Discover has posted so I'm not looking too thirsty, yet, but I wouldn't mind taking a stab at nabbing up one of these

You're right about Marvel having a one-up here with rewards, but DC does have some solid classics. Who's jumping in the pool?

Re: DC Power VISA

AverageJoesCredit — Sun, 06 Oct 2019 14:13:22 GMT

I wish they would do a Discover and let us have multiple designs

Re: DC Power VISA

credit_is_crack — Sun, 06 Oct 2019 14:15:39 GMT

@AverageJoesCredit wrote:
I wish they would do a Discover and let us have multiple designs

@AverageJoesCredit, which design did you go with? Has anyone posted any approvals about this card yet?

Re: DC Power VISA

AverageJoesCredit — Sun, 06 Oct 2019 14:19:28 GMT

Hey crackman i applied this morning for Superman but got we'll be in touch message so no clue if its denial or need verification due to fraud alerts on my TU. If i get it its permanent in my wallet lol i dont care if i get $500 limit!

Re: DC Power VISA

CreditCuriosity — Sun, 06 Oct 2019 14:47:09 GMT

I really hope they were smart enough not to manually review all the apps or they are in for a world of hate or this card will never take off if they are as conservative as their other cards. Probably have an agreement with UMB to take a certain risk level being CO's accounts, etc for more lenient UW, we shall see. Just waiting for one instant then i might jump lol. Regret giving up my Marvel Card, but what is done is done and might get it again in a few months..

Re: DC Power VISA

kdm31091 — Sun, 06 Oct 2019 14:50:54 GMT

@CreditCuriosity wrote:
I really hope they were smart enough not to manually review all the apps or they are in for a world of hate or this card will never take off if they are as conservative as their other cards. Probably have an agreement with UMB to take a certain risk level being CO's accounts, etc for more lenient UW, we shall see. Just waiting for one instant then i might jump lol. Regret giving up my Marvel Card, but what is done is done and might get it again in a few months..

The Marvel is more generous with what is considered "entertainment" from what I can tell, and just does automatic statement credits. This card seems to have a more clunky redemption system as you can only do statement credits in certain intervals, which ensures you leave rewards on the table pretty much always.

Nonetheless, I know some just want it for the cool factor, and that's ok too!

Re: DC Power VISA

credit_is_crack — Sun, 06 Oct 2019 14:55:28 GMT

@AverageJoesCredit wrote:
Hey crackman i applied this morning for Superman but got we'll be in touch message so no clue if its denial or need verification due to fraud alerts on my TU. If i get it its permanent in my wallet lol i dont care if i get $500 limit!

K I applied and no instant approval for me. They pulled TU, just got the alert from CK. Went for the Superman card - we'll see what kind of cool-aid they're serving at UMB I've heard traditionally UMB is reserved, but with it being a new release and DC focused they may loosen up a bit, or it'll be the exact same as UMB and would fully expect a denial for the high activity.

Would be a solid trophy card.

Re: DC Power VISA

AverageJoesCredit — Sun, 06 Oct 2019 15:25:22 GMT

Thats my boy @Credit_-is_crack Good luck. Trophy card indeed!

Re: DC Power VISA

CreditCuriosity — Sun, 06 Oct 2019 15:01:17 GMT

@credit_is_crack wrote:
@AverageJoesCredit wrote:
Hey crackman i applied this morning for Superman but got we'll be in touch message so no clue if its denial or need verification due to fraud alerts on my TU. If i get it its permanent in my wallet lol i dont care if i get $500 limit!
K I applied and no instant approval for me. They pulled TU, just got the alert from CK. Went for the Superman card - we'll see what kind of cool-aid they're serving at UMB I've heard traditionally UMB is reserved, but with it being a new release and DC focused they may loosen up a bit, or it'll be the exact same as UMB and would fully expect a denial for the high activity.

Would be a solid trophy card.

They have to loosen up from their other cards or DC will be very unhappy with picking them as a lender.. Looks like probably no instant approvals as your profile is very strong.. Silly that everything would go to manual UW if that is the case. They are going to get WAY backed up. Be interesting to see how this all plays out. As stated just a cool factor card as rewards are meh.. Kinda like Disney card from chase, etc.

Re: DC Power VISA

credit_is_crack — Sun, 06 Oct 2019 15:06:41 GMT

@AverageJoesCredit wrote:
Thats my boy @Anonymous-is-crack Good luck. Trophy card indeed!

Of course I have no patience so I called the number. The number on the banner is the main customer care number and essentially prompts you to enter your 16 digit card number or press 3 for lost/stolen. I didn't hit anything and after it repeated itself 3 times it transferred me to an agent.

When she came on she asked me to verify my name and last 4 of my card number so my phone number must have launched something in her system. She dug in a bit further (never asked DOB or SSN) and said it shows pending. She said she would transfer me to UW but they are not back in until Monday (8a-5p CST). Maybe they are doing full manual reviews on this one too -- this is what I get for applying on a Sunday