topic Re: UPDATE!! DCU SUCCESS in Credit Cards

UPDATE!! DCU SUCCESS

MountainHiker — Tue, 04 Dec 2012 20:24:12 GMT

Thank you to everyone that contributed advice for best credit union to go after. After carefull consideration and several questions put to the credit reps at different CUs, I decided on DCU.Very nice service it would appear and a nice cash back visa reward card with decent interest rate 11%. They also offered to refinance my car lease which I will not take them up on. My starting limit is $3K. Thank you again everyone!!

How often does DCU give CLI's? When is the best time to ask for a CLI?

Re: UPDATE!! DCU SUCCESS

KausticRage — Tue, 04 Dec 2012 22:04:33 GMT

Congrats! I too just got approved today and was wondering the same thing about CLI love. Hopefully they are as nice about CLI as GE

Re: UPDATE!! DCU SUCCESS

TNTransplant — Tue, 04 Dec 2012 22:16:47 GMT

Congrats on your approval!

I just got in with them in August, and I love them so far (the free monthly EQ Fico is a huge bonus, too).

Don't quote me, but I think I've read on here that you can ask for a CLI every 6 months, but it's an HP. (again, just trying to recall from memory, and that's not good so I'm very likely wrong)

Re: UPDATE!! DCU SUCCESS

MountainHiker — Tue, 04 Dec 2012 22:24:39 GMT

@TNTransplant wrote:
Congrats on your approval!

I just got in with them in August, and I love them so far (the free monthly EQ Fico is a huge bonus, too).

Don't quote me, but I think I've read on here that you can ask for a CLI every 6 months, but it's an HP. (again, just trying to recall from memory, and that's not good so I'm very likely wrong)

They seem to offer a good mix of services.I wonder if they give rewards on gas as well as travel expense ie airline tickets?

Re: UPDATE!! DCU SUCCESS

TNTransplant — Tue, 04 Dec 2012 22:31:54 GMT

@MountainHiker wrote:
@TNTransplant wrote:
Congrats on your approval!

I just got in with them in August, and I love them so far (the free monthly EQ Fico is a huge bonus, too).

Don't quote me, but I think I've read on here that you can ask for a CLI every 6 months, but it's an HP. (again, just trying to recall from memory, and that's not good so I'm very likely wrong)
They seem to offer a good mix of services.I wonder if they give rewards on gas as well as travel expense ie airline tickets?

I'm honestly not sure, and would have to check their site to maybe find out. I didn't go for the rewards card; I have some of those, so I applied for the Visa Platinum with the lower interest rate in case I needed to carry a balance in an emergency.

Re: UPDATE!! DCU SUCCESS

Anonymous — Tue, 04 Dec 2012 22:35:56 GMT

I just got approved for their checking and savings on the 27th, and applied/approved for their CC on the 28th. I'm still waiting to get my member number and CC by mail. I only got $1,500 CL due to income and limited credit history (5 months with Capital One Secured). I'm still happy they gave me my first unsecured CC without a toy limit.

Re: UPDATE!! DCU SUCCESS

Epcot — Tue, 04 Dec 2012 23:02:54 GMT

Congrats on your approval. Great interest rate too!

Re: UPDATE!! DCU SUCCESS

kimmiller112 — Tue, 04 Dec 2012 23:41:54 GMT

I'm in the process of opening up bank accounts with them (had to send them a copy of my driver's license and social security card yesterday). Today, I thought I would try for their credit card. Approved for $7500 which is my highest limit but I have to submit a recent paystub and they are supposed to contact me on how to do it. Congrats to all of us!

Re: UPDATE!! DCU SUCCESS

Anonymous — Tue, 04 Dec 2012 23:45:15 GMT

@kimmiller112 wrote:
I'm in the process of opening up bank accounts with them (had to send them a copy of my driver's license and social security card yesterday). Today, I thought I would try for their credit card. Approved for $7500 which is my highest limit but I have to submit a recent paystub and they are supposed to contact me on how to do it. Congrats to all of us!

I was approved for 2k on the phone, but later got an email stating they can only give me $1,500 after recieving my paystub.

Re: UPDATE!! DCU SUCCESS

kimmiller112 — Wed, 05 Dec 2012 21:35:08 GMT

I was worried about ending up with a lower CL after reading some of the comments, but I got an email today stating that it would be a $7500 CL but I needed to send my most recent paystub. I sent that this afternoon and got a response back very quickly that I have definitely been approved with a $7500 CL but that they won't send it until I get my member number which is still in the works. By the end of the week, I should have that and they will send my card.

Re: UPDATE!! DCU SUCCESS

Anonymous — Wed, 05 Dec 2012 21:48:14 GMT

i just open up a cheking account with them and got my member# already im gonna give good use to the cheking account to apply in the fututre with for a good credit card

Re: UPDATE!! DCU SUCCESS

tengtengvn — Thu, 06 Dec 2012 00:16:10 GMT

They approved my loan but after emailed them bunch of documents, they denied my membership. What a BS!

Decied to try local CU and got the auto loan for 2.24%. 0.25% lower then DCU. Never deal with DCU ever again.

Re: UPDATE!! DCU SUCCESS

creditnocash — Thu, 06 Dec 2012 00:22:55 GMT

@tengtengvn wrote:
They approved my loan but after emailed them bunch of documents, they denied my membership. What a BS!

Decied to try local CU and got the auto loan for 2.24%. 0.25% lower then DCU. Never deal with DCU ever again.

hmm according to their site if your a member of a participating orginization (dues from 9dollars to 120 a year) you can get in...

or live in one of the towns or work for an orginizations.

Re: UPDATE!! DCU SUCCESS

MountainHiker — Fri, 07 Dec 2012 20:47:57 GMT

@kimmiller112 wrote:
I was worried about ending up with a lower CL after reading some of the comments, but I got an email today stating that it would be a $7500 CL but I needed to send my most recent paystub. I sent that this afternoon and got a response back very quickly that I have definitely been approved with a $7500 CL but that they won't send it until I get my member number which is still in the works. By the end of the week, I should have that and they will send my card.

Congrats!! Very sexy limit btw.