topic Re: DCU??? in Credit Cards

DCU???

kobe2012 — Mon, 31 Dec 2012 17:12:55 GMT

I applied for the visa and they said i got approved for $5000 but have to be a member (savings and checking) ...do i need to get both? i think am still on chexsystem thats why now am hesitant to continue with the application... If denied to the membership, does that mean i wasted another inquiry? I was supposed to be in the garden

Re: DCU???

jsickz32 — Mon, 31 Dec 2012 17:15:44 GMT

I have cc with them and only have savings. Little heads up..if you dont got checking with them then you only have two options to pay your cc. Western union or your banks billpay.

Re: DCU???

jsickz32 — Mon, 31 Dec 2012 17:16:52 GMT

Also how do you get in the chexsystem?

Re: DCU???

Rhaeny — Mon, 31 Dec 2012 17:24:32 GMT

@jsickz32 wrote:
Also how do you get in the chexsystem?

By having negative activity on your bank accounts that are not paid (i.e bounced checks, negative balances on closed accounts, etc.). This is not in reference to the OP just a statement in general about what Chexsystems is.

Also OP, I don't beleive that if you can have the CC without having membership. You have to just go forward with the final stage of the process. I can tell you that they pulled another hp for me to join so maybe its not Chexsystems....not really sure. Good Luck! Let us know what happened!

Re: DCU???

kobe2012 — Mon, 31 Dec 2012 17:49:32 GMT

I burned Bofa 4+ yrs ago and its due to fall off chexsystem in aug 2013... One of my credit mistakes... Am hoping they approve my app...how log does it usually take ones they get my docs???

Re: DCU???

Rhaeny — Mon, 31 Dec 2012 17:59:57 GMT

It only took me about a week to get my card and membership info....it was pretty fast.

So did you take the plunge for the membership yet? If you do it online it may take a day but on the phone you should know right away.

Re: DCU???

mt2va — Mon, 31 Dec 2012 18:21:20 GMT

I’m in Chexsystems and DCU wouldn’t approve me for membership. I even reconned and explained I only wanted savings account and to try for their secured credit card and that I was re-building my credit. Complete no go. They said (as did all the other CU that turned me down also for membership) that they either approve or deny your membership and that’s it.

On a side note I didn’t know things fell off Chexsystems. How long does that take??

Re: DCU???

Revelate — Mon, 31 Dec 2012 18:23:19 GMT

@jsickz32 wrote:
I have cc with them and only have savings. Little heads up..if you dont got checking with them then you only have two options to pay your cc. Western union or your banks billpay.

Yeah, for some reason they break up internal and external transfers in their bank interface unlike most others I've seen. They don't have the functionality to transfer an ACH from another depository institution as a payment for the credit card.

Don't know why, I hadn't really noticed it anyway since I have a an auto loan and credit card with them and transfers into their checking account from outside institutions are free anyway from a fee perspective when done through their web interface.

Also I'm pretty certain they will accept a mailed payment so it's probably three options . Setting up a checking account though does seem to be the best route.

Re: DCU???

09Lexie — Mon, 31 Dec 2012 18:29:29 GMT

@mt2va wrote:
I’m in Chexsystems and DCU wouldn’t approve me for membership. I even reconned and explained I only wanted savings account and to try for their secured credit card and that I was re-building my credit. Complete no go. They said (as did all the other CU that turned me down also for membership) that they either approve or deny your membership and that’s it.

On a side note I didn’t know things fell off Chexsystems. How long does that take??

It takes 5 years to drop off ChexSystems. I have heard that some CU will give you membership if the neg reporting occurred at least 2-3 years ago and/or if you owe no money to the reporting institution.

YMMV

Re: DCU???

kobe2012 — Tue, 01 Jan 2013 03:24:01 GMT

Rhaeny: I applied for their membership online instead of faxing it to the loan officer.. I'm not sure if it was approved yet, it took me to the page to set up for the membership fee.... does this mean it was approved???? I took another inquiry from equifax .... am crossing my fingers on this one since this would be the first 5K VISA (besides my store cards)

Mt2: did you get approve for the VISA when you applied, then go denied for membership??? did you get a second pull for the membership????

Re: DCU???

Rhaeny — Tue, 01 Jan 2013 03:37:47 GMT

@kobe2012 wrote:
Rhaeny: I applied for their membership online instead of faxing it to the loan officer.. I'm not sure if it was approved yet, it took me to the page to set up for the membership fee.... does this mean it was approved???? I took another inquiry from equifax .... am crossing my fingers on this one since this would be the first 5K VISA (besides my store cards)

Mt2: did you get approve for the VISA when you applied, then go denied for membership??? did you get a second pull for the membership????

Not sure if you were approved or not, but since you've taken the 2 hp's keep going and get the membership. Free monthly Fico if nothing else. I'll post back a link so you can check your status. But when I was approved it did ask for me to setup membership. I was also given the choice of either the rewards or lower apr card. I don't quite remember at one point in the process that was.

EDIT: Check your loan status (DCU) Look to the bottom right hand side and input your info.

Re: DCU???

kobe2012 — Tue, 01 Jan 2013 03:44:22 GMT

@Rhaeny wrote:
@kobe2012 wrote:
Rhaeny: I applied for their membership online instead of faxing it to the loan officer.. I'm not sure if it was approved yet, it took me to the page to set up for the membership fee.... does this mean it was approved???? I took another inquiry from equifax .... am crossing my fingers on this one since this would be the first 5K VISA (besides my store cards)

Mt2: did you get approve for the VISA when you applied, then go denied for membership??? did you get a second pull for the membership????
Not sure if you were approved or not, but since you've taken the 2 hp's keep going and get the membership. Free monthly Fico if nothing else. I'll post back a link so you can check your status. But when I was approved it did ask for me to setup membership. I was also given the choice of either the rewards or lower apr card. I don't quite remember at one point in the process that was.

EDIT: Check your loan status (DCU) Look to the bottom right hand side and input your info.

Thanks... it says on the platinum visa app was approved for 5k... nothing about my membership app yet.... guess im gonna have to wait til wed since it's holiday tomorrow.... i hope they didnt use chexsystem but they probably did since 90%+ credit unions use it...

Re: DCU???

Rhaeny — Tue, 01 Jan 2013 03:52:55 GMT

@kobe2012 wrote:
@Rhaeny wrote:
@kobe2012 wrote:
Rhaeny: I applied for their membership online instead of faxing it to the loan officer.. I'm not sure if it was approved yet, it took me to the page to set up for the membership fee.... does this mean it was approved???? I took another inquiry from equifax .... am crossing my fingers on this one since this would be the first 5K VISA (besides my store cards)

Mt2: did you get approve for the VISA when you applied, then go denied for membership??? did you get a second pull for the membership????
Not sure if you were approved or not, but since you've taken the 2 hp's keep going and get the membership. Free monthly Fico if nothing else. I'll post back a link so you can check your status. But when I was approved it did ask for me to setup membership. I was also given the choice of either the rewards or lower apr card. I don't quite remember at one point in the process that was.

EDIT: Check your loan status (DCU) Look to the bottom right hand side and input your info.
Thanks... it says on the platinum visa app was approved for 5k... nothing about my membership app yet.... guess im gonna have to wait til wed since it's holiday tomorrow.... i hope they didnt use chexsystem but they probably did since 90%+ credit unions use it...

Well my membership wasn't instant either because they said they had to wait until the funds cleared. I app'd on a Saturday and by Tuesday or Wednesday everything was okay. Received my membership info and CC on that next Saturday. So hold on....you just might be okay!

Re: DCU???

kobe2012 — Tue, 01 Jan 2013 04:01:52 GMT

@Rhaeny wrote:
@kobe2012 wrote:
@Rhaeny wrote:
@kobe2012 wrote:
Rhaeny: I applied for their membership online instead of faxing it to the loan officer.. I'm not sure if it was approved yet, it took me to the page to set up for the membership fee.... does this mean it was approved???? I took another inquiry from equifax .... am crossing my fingers on this one since this would be the first 5K VISA (besides my store cards)

Mt2: did you get approve for the VISA when you applied, then go denied for membership??? did you get a second pull for the membership????
Not sure if you were approved or not, but since you've taken the 2 hp's keep going and get the membership. Free monthly Fico if nothing else. I'll post back a link so you can check your status. But when I was approved it did ask for me to setup membership. I was also given the choice of either the rewards or lower apr card. I don't quite remember at one point in the process that was.

EDIT: Check your loan status (DCU) Look to the bottom right hand side and input your info.
Thanks... it says on the platinum visa app was approved for 5k... nothing about my membership app yet.... guess im gonna have to wait til wed since it's holiday tomorrow.... i hope they didnt use chexsystem but they probably did since 90%+ credit unions use it...
Well my membership wasn't instant either because they said they had to wait until the funds cleared. I app'd on a Saturday and by Tuesday or Wednesday everything was okay. Received my membership info and CC on that next Saturday. So hold on....you just might be okay!

Am hoping everything would go smooth!!!! am excited and anxious .... it will be a good start for the year if i get this one...

Re: DCU???

jsickz32 — Tue, 01 Jan 2013 04:26:09 GMT

good luck!

Re: DCU???

09Lexie — Tue, 01 Jan 2013 06:41:01 GMT

@kobe2012 wrote:
@Rhaeny wrote:
@kobe2012 wrote:
Rhaeny: I applied for their membership online instead of faxing it to the loan officer.. I'm not sure if it was approved yet, it took me to the page to set up for the membership fee.... does this mean it was approved???? I took another inquiry from equifax .... am crossing my fingers on this one since this would be the first 5K VISA (besides my store cards)

Mt2: did you get approve for the VISA when you applied, then go denied for membership??? did you get a second pull for the membership????
Not sure if you were approved or not, but since you've taken the 2 hp's keep going and get the membership. Free monthly Fico if nothing else. I'll post back a link so you can check your status. But when I was approved it did ask for me to setup membership. I was also given the choice of either the rewards or lower apr card. I don't quite remember at one point in the process that was.

EDIT: Check your loan status (DCU) Look to the bottom right hand side and input your info.
Thanks... it says on the platinum visa app was approved for 5k... nothing about my membership app yet.... guess im gonna have to wait til wed since it's holiday tomorrow.... i hope they didnt use chexsystem but they probably did since 90%+ credit unions use it...

Sorry, but they use ChexSystems.

Re: DCU???

bichonmom — Tue, 01 Jan 2013 09:33:08 GMT

You can rectify your Chexsystems if you take care of what you owe. AFAIK, banks and CUs both pull your CR and use Chexsystems or a similar database.

Re: DCU???

-JR — Mon, 03 Feb 2014 15:43:14 GMT

Krikey, didn't realize there was a seperate CRA for banking/checking/savings. I burned Bank of the West about a year ago, have since JUST paid the collection they sent after me. Am I doomed for the next five years? It was a tiny amount ($130) and it is now paid. Thankfully in my infinite wisdom I concurrently opened up an account with BofA for their "Keep the Change," so I'm not coimpletely shut out.