topic Re: Oh DCU... in Credit Cards

Oh DCU...

zyzzus — Thu, 18 Apr 2013 17:23:33 GMT

I had applied on the 16th of this month and called today to veify they had received my DL and Utl. Bill. They said they hadn't received it (I had confirmation email that they had). Sent it two more times and after 3 phone calls the problem was that my email is formated first.middle.last@gmail.com Its just formatting. I typed firstmiddlelast@gmail.com on my application. For wahtever reason this prevented them from seeing my emails. I have gotten the issue corrected but if I could help other avoid verification problems heres my help

Re: Oh DCU...

Anonymous — Thu, 18 Apr 2013 17:26:36 GMT

Hopefully, you won't have anymore hiccups!

Re: Oh DCU...

zyzzus — Thu, 18 Apr 2013 17:33:58 GMT

I had talked to three or four people that realistically seemed inconvenienced that I was having an issue at all. I called back one final time and spoke to a gentleman that had everything fixed in about six mintues. I sent my ID verification to his email and he forwarded it to their new accounts department. According to him my account should be opened later today or the latest tomorrow. I am eager to set up the DD to see how early I can get access to it!

Re: Oh DCU...

Anonymous — Thu, 18 Apr 2013 17:39:23 GMT

That early DD is a nice feature. In the 8 yrs I have had the account never experienced a problem.

Re: Oh DCU...

Anonymous — Thu, 18 Apr 2013 17:41:14 GMT

yea DD can be anywhere from 1 to 3 days early. it's a sweet perk.

Re: Oh DCU...

zyzzus — Thu, 18 Apr 2013 18:21:31 GMT

Yeah that DD perk is what really enticed me and the free EQ was nice.

What communication method did you guys receive upon approval? How long after can you set up online banking and what not?

Re: Oh DCU...

Anonymous — Thu, 18 Apr 2013 18:29:25 GMT

You can set up your online banking as soon as you receive your membership number. It's been 8 yrs since I opened it but if memory serves me I received a welcome packet. I don't recall an email.

Re: Oh DCU...

Anonymous — Thu, 18 Apr 2013 18:31:49 GMT

The DD is available the next day they receive it from your employer. So,if your employer transmits on Wednesday afternoon your funds are available the next business day - not the check date.

Re: Oh DCU...

ficojoe — Thu, 18 Apr 2013 18:41:00 GMT

Somehow my application got flagged by the fraud department. However, once released, I have had no problems. They gave me my largest limit credit card and then they gave me a 1.99% car loan. I am very happy with DCU. I was aggrivated for a while because it took over 3 months to get my account created.

Re: Oh DCU...

boomhower — Thu, 18 Apr 2013 19:56:54 GMT

DCU has been crazy with their verification issues lately. If they don't get it straightened out their rep is going to take a beating.

Re: Oh DCU...

WarJar101 — Sat, 20 Apr 2013 05:15:31 GMT

@ficojoe wrote:
Somehow my application got flagged by the fraud department. However, once released, I have had no problems. They gave me my largest limit credit card and then they gave me a 1.99% car loan. I am very happy with DCU. I was aggrivated for a while because it took over 3 months to get my account created.

Took me a month to get my account set-up. So I hear ya...Also, to anyone gunning for DCU apply for membership first then apply for CC. I did it backwards, and it didn't work out so well. Still, got the CC albeit a low limit, maybe it would've been higher if I was a member with DD before I applied for the CC. Just a thought.

Re: Oh DCU...

ficojoe — Sun, 21 Apr 2013 03:10:42 GMT

@WarJar101 wrote:
@ficojoe wrote:
Somehow my application got flagged by the fraud department. However, once released, I have had no problems. They gave me my largest limit credit card and then they gave me a 1.99% car loan. I am very happy with DCU. I was aggrivated for a while because it took over 3 months to get my account created.
Took me a month to get my account set-up. So I hear ya...Also, to anyone gunning for DCU apply for membership first then apply for CC. I did it backwards, and it didn't work out so well. Still, got the CC albeit a low limit, maybe it would've been higher if I was a member with DD before I applied for the CC. Just a thought.

I applied both before and after. I was approved for $5,000 with proof of income required before being a member. Since it took more than 90 days for my membership to get established, the approval expired between applying for the credit card and having the account setup. However, after the account was setup, my credit score slightly improved and I was told that because of my credit score improvement I was approved for $7,500 and did not need to verify income. They also gave me a car loan a few months later with no hastle, instant approval, no proof of anything required. When I found the car I wanted, DCU overnighted a check to the dealership.

However, I believe the increased limit and no documentation requirement had nothing to do with the fact that I was a member, but rather because the FICO score improved.

I had about 30 recent inquiries on the one credit report and DCU didn't care, which is pretty awesome.

Re: Oh DCU...

Anonymous — Sun, 21 Apr 2013 03:19:50 GMT

wow! 30 inquiries! as someone who has way too many inquires too, 30 is impressive. that takes really effort to get that high.

Re: Oh DCU...

Anonymous — Sun, 21 Apr 2013 03:43:25 GMT

@ficojoe wrote:
@WarJar101 wrote:
@ficojoe wrote:
Somehow my application got flagged by the fraud department. However, once released, I have had no problems. They gave me my largest limit credit card and then they gave me a 1.99% car loan. I am very happy with DCU. I was aggrivated for a while because it took over 3 months to get my account created.
Took me a month to get my account set-up. So I hear ya...Also, to anyone gunning for DCU apply for membership first then apply for CC. I did it backwards, and it didn't work out so well. Still, got the CC albeit a low limit, maybe it would've been higher if I was a member with DD before I applied for the CC. Just a thought.
I applied both before and after. I was approved for $5,000 with proof of income required before being a member. Since it took more than 90 days for my membership to get established, the approval expired between applying for the credit card and having the account setup. However, after the account was setup, my credit score slightly improved and I was told that because of my credit score improvement I was approved for $7,500 and did not need to verify income. They also gave me a car loan a few months later with no hastle, instant approval, no proof of anything required. When I found the car I wanted, DCU overnighted a check to the dealership.

However, I believe the increased limit and no documentation requirement had nothing to do with the fact that I was a member, but rather because the FICO score improved.

I had about 30 recent inquiries on the one credit report and DCU didn't care, which is pretty awesome.

What was your score when you got approved without needing proof of income?

Re: Oh DCU...

Anonymous — Sun, 21 Apr 2013 03:49:11 GMT

@eviLution

I didn't need POI either but I've been a member forever.

Re: Oh DCU...

zyzzus — Sun, 21 Apr 2013 03:52:08 GMT

I unfortunately wasn't approved for DCU on Friday so I am assuming I will be on Monday. I am going to hold off on apping for a CC with them for now as I have no need for the credit. I'll eventually need a car loan and when I do I'll apply at alliant and DCU to see who has the best rate and then get CCs from them both then. I am eager to get my DD setup to DCU!

Re: Oh DCU...

Cali_Credit — Sun, 21 Apr 2013 04:02:04 GMT

Get into DCU and they'll treat u right! 1.99% hassle free auto loans and decent CL's! They REfi my cap 1 loan that was nearly 10% to 1.99% and tripled my Visa with one call and ten mins! Awesome

Re: Oh DCU...

zerobacan — Sun, 21 Apr 2013 18:56:44 GMT

I just applied for their membership. and they sent me an email right away asking for a copy of my DL which I sent right away by email.

Ill keep you guys updated with my membership process

Re: Oh DCU...

WarJar101 — Mon, 22 Apr 2013 07:10:36 GMT

Good luck to you guys.

Re: Oh DCU...

zyzzus — Mon, 22 Apr 2013 13:44:58 GMT

Got an email this morning saying that they needed a copy of my social (in color) to continue processing my application. It will be a week tomorrow since I applied. Alliant had me approved last Friday. I have called to ensure they need nothing else and am a little annoyed that NOW they decide they need a copy of my social. I could've sent this in. I am on the phone now and am going to offer a copy of my birth certificate as well as auto registration. All of my information on my credit report is concurrent with what was on my application.