topic Re: DCU Pending in Credit Cards

DCU Pending

Anonymous — Wed, 09 Jan 2013 22:31:00 GMT

DCU has a pending notification for my membership app and CC app... They asked for a copy of my license so I sent it over for the savings application. Nothing as of yet with CC app as they told a representative would be in contact with me... Im thinking maybe I should of signed up for checking too? Does that matter?

Is anyone familiar with the DCU applications

Thanks

Re: DCU Pending

Rhaeny — Wed, 09 Jan 2013 23:13:31 GMT

They never asked me for ID so I'm not sure about the steps, but certainly pick up the phone and call them. You know how stuff can slip through the cracks!

EDIT: I just thought about something. My account was pending as well for awhile until they actually received the money from my other account. I signed up on a Saturday and I think I used my debit card for the deposit, but anyway my account wasn't set up until Wednesday when they were sure that the funds had cleared. They also told me that my CC wouldn't be sent out until the funds were cleared up as well.

Re: DCU Pending

racer-x — Thu, 10 Jan 2013 01:18:51 GMT

Sunday, I applied online and was instantly approved for $10k Visa.

I also received an email stating that somebody would be in contact with me.

Monday, I received an email stating that I need to complete my membership or start a membership.

I did so by joining/donating to one of their affiliated organizations.

I was also asked to send a photocopy of my I.D.

ALmost forgot, I did set up a checking and savings and put $50 in the checking via debit card.

Tuesday, received another email saying my photocopy of I.D. was too small. So I sent another.

Wednesday, received an email saying congratulations on my new membership.

said I would receive all my membership info in 7-10 days.

And, it also said "If you are looking to finalize a loan or Visa application, you may contact our loan dept at xxxxxxxxxx."

So I called them on my lunch today because I wasn't sure if there was something else that I had to do on my end.

And unbeknownst to me, there was. They needed to see my last check stub. Nobody from DCU had told me that.

It wasn't a problem, but I'm just wondering if they were going to contact me and let me know that they needed that pay stub?

Don't know if that helps your situation...but that 's the process I went through.

So I'm guess/hoping I'll receive an email tomorrow telling me my VISA is on its' way.

Re: DCU Pending

Rhaeny — Thu, 10 Jan 2013 02:34:30 GMT

Yea they don't send an email saying that your card is on the way. But I did recieve the card within a week of the CC approval. I think the major CC's send a notification like Discover and Amex, not DCU. It just comes in a plain envelope regular snail mail.

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:42:54 GMT

I'm a member; was approved for $7,500.00 online, joined -- loan status funded. My only stip was pay stub, scanned sent them in, got a call like they said i would -- declined, decision reversed, too many inquiries of recently. I said, well I'm a member now, thanks, and to reverse after a stip has been met is frustrating, perhaps you should trust you're online system or disbar it.

My two cents; never apply again.

Josh

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:44:55 GMT

@Anonymous wrote:
I'm a member; was approved for $7,500.00 online, joined -- loan status funded. My only stip was pay stub, scanned sent them in, got a call like they said i would -- declined, decision reversed, too many inquiries of recently. I said, well I'm a member now, thanks, and to reverse after a stip has been met is frustrating, perhaps you should trust you're online system or disbar it.

My two cents; never apply again.

Josh

And to verify it's the truth, from track my loan status:

Your Credit Card Loans	Entry Time	Loan Status	Actions
View Loan	Edit Loan	View Docs	Send Message
	#XXXXX17	12/13/2012 10:46:34 PM	DECLINED FUNDED

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:46:34 GMT

Interesting. I was not instantly approved for the CC. After the app it saida rep will be in contact with me. I apped for the membership first on which they stayed they needed a copy of my License.. Still haven't heard anything but I'm assuming I will find out tomorrow when they open?

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:47:49 GMT

Thanks for commenting and I'm sorry for the late response! I'm staying positive about the apps though since I have heard they work with rebuilders

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:48:34 GMT

@Anonymous wrote:
Interesting. I was not instantly approved for the CC. After the app it saida rep will be in contact with me. I apped for the membership first on which they stayed they needed a copy of my License.. Still haven't heard anything but I'm assuming I will find out tomorrow when they open?

I hope you get approved!

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:51:16 GMT

Thanks! I have only heard good stories until just now. Kinda paranoid now. May I ask what you scores were. I do have recent inquiries so that worries me

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:52:52 GMT

@Anonymous wrote:
Thanks for commenting and I'm sorry for the late response! I'm staying positive about the apps though since I have heard they work with rebuilders

Now, NFCU, approved no problems. I'm a member with them for the chance for life. I guess, even CU's are weird!

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:53:10 GMT

Yours says declined and then funded. So you didn't get it? But you got the membership?

Re: DCU Pending

Rhaeny — Thu, 10 Jan 2013 02:53:39 GMT

Yea sorry about that jbunton and I would pissed if that happened to me. For every 100 people that rave about a CC there is always at least one person whose experience doesn't match the others. Maybe its the luck of which u/w you get, but I know how you feel being on the other end of the stick because I have been there myself with other CC's. Maybe you could try to recon again and hopefully get someone else who will listen to you. As for inquiries their stupid system should have caught that first instead of giving you an instant approval and that's what I'd be basing my discussion on as well as your credit history.

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:54:39 GMT

Yea I wish I was with NFCU. But the serviceman deserve a good bank. I heard DCU was next besides USAA but I could be wrong now

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:55:13 GMT

@Anonymous wrote:
Yours says declined and then funded. So you didn't get it? But you got the membership?

Correct. My scores are between 660-697, I don't remember what with each, but I know Equifax is my highest. Recent inquiries over a month is perhaps five and I explained to them... trying to get rid of smaller cards for more prime/high limits. But, it's okay, I just won't apply with them again, well at least for awhile. From what I hear Barclay's is inquiry sensitive too, but those are my longest CC cards prior to NFCU.

Josh

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 02:57:38 GMT

@Rhaeny wrote:
Yea sorry about that jbunton and I would pissed if that happened to me. For every 100 people that rave about a CC there is always at least one person whose experience doesn't match the others. Maybe its the luck of which u/w you get, but I know how you feel being on the other end of the stick because I have been there myself with other CC's. Maybe you could try to recon again and hopefully get someone else who will listen to you. As for inquiries their stupid system should have caught that first instead of giving you an instant approval and that's what I'd be basing my discussion on as well as your credit history.

Ditto, it is what it is.

Re: DCU Pending

Jutz — Thu, 10 Jan 2013 03:11:53 GMT

The DL issue other people have run into. That's when they have issues verifying your address. Be prepared to send in utility bills stating that address as well, as others have had.

For me, I applied for membership online and got my member number. I then applied for the auto loan online and used my member number in the field. I called in an hour later and got approved (660 EQ). While on the phone with the loan servicing dept, they offered me the VISA, which I had planned on going after as well. She added that account to my pending loans section and told me to upload my paystub there as well. I did, and it was funded within 12 hours, I'm currently waiting on it in the mail. As far as my auto loan goes, I uploaded my paystubs right away, then yesterday uploaded the purchase and sales agreement from the dealer yesterday. I just received the check today.

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 03:17:50 GMT

Those are decent scores so Im very suprised you got denied. I have about 4 recent inquires sooo im a little worried. I was just hoping DCU would be gracious and give me a good CL since "low CL on revolving balances" seems to be a negative me for me.

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 03:19:18 GMT

I think I may upload pay stubs now since I have the oppurtunity to do so on their site. That way there is no miscommunication there.

Re: DCU Pending

Anonymous — Thu, 10 Jan 2013 03:42:32 GMT

@Anonymous wrote:
Those are decent scores so Im very suprised you got denied. I have about 4 recent inquires sooo im a little worried. I was just hoping DCU would be gracious and give me a good CL since "low CL on revolving balances" seems to be a negative me for me.

Well! I hope you get the card you so desire! it's exciting getting a high limit card. Finally... got mine, NFCU, only $5,000.00 but it's double my highest CL.