topic Re: Just joined DCU!!!!!! in Credit Cards

Just joined DCU!!!!!!

Ron1 — Sun, 21 Apr 2013 22:50:47 GMT

I just joined DCU online. They sent me an email to fax a copy of DL and paycheck stub. How long will I hear from them? Will I get a free EQ score? I read from other thread and they pull chexsystem and EQ for opening membership. I didn't apply for any credit card.

Ron.

Re: Just joined DCU!!!!!!

myjourney — Sun, 21 Apr 2013 22:53:49 GMT

@Ron1 wrote:
I just joined DCU online. They sent me an email to fax a copy of DL and paycheck stub. How long will I hear from them? Will I get a free EQ score? I read from other thread and they pull chexsystem and EQ for opening membership. I didn't apply for any credit card.

Ron.

Congrats nice

Re: Just joined DCU!!!!!!

Ron1 — Sun, 21 Apr 2013 22:56:10 GMT

@myjourney wrote:
@Ron1 wrote:
I just joined DCU online. They sent me an email to fax a copy of DL and paycheck stub. How long will I hear from them? Will I get a free EQ score? I read from other thread and they pull chexsystem and EQ for opening membership. I didn't apply for any credit card.

Ron.
Congrats nice

Thanks!!!! Now, I'm waiting for them to process the application. It shouldn't have any problem.

Ron.

Re: Just joined DCU!!!!!!

09Lexie — Sun, 21 Apr 2013 23:00:25 GMT

Yes they pull eq and run checksystems. You will luv DCU!

Re: Just joined DCU!!!!!!

Ron1 — Sun, 21 Apr 2013 23:02:29 GMT

@09Lexie wrote:
Yes they pull eq and run checksystems. You will luv DCU!

Are they better than Penfed? I joined because they offer free EQ score. I didn't look at their credit cards when I joined.

Ron.

Re: Just joined DCU!!!!!!

boomhower — Sun, 21 Apr 2013 23:24:16 GMT

@Ron1 wrote:
@09Lexie wrote:
Yes they pull eq and run checksystems. You will luv DCU!
Are they better than Penfed? I joined because they offer free EQ score. I didn't look at their credit cards when I joined.

Ron.

Depends on what your looking for. Penfed has much better rewards than DCU. DCU is much more lenient on credit requirements. Niether is better, just different.

Re: Just joined DCU!!!!!!

Ron1 — Mon, 22 Apr 2013 00:09:49 GMT

@boomhower wrote:
@Ron1 wrote:
@09Lexie wrote:
Yes they pull eq and run checksystems. You will luv DCU!
Are they better than Penfed? I joined because they offer free EQ score. I didn't look at their credit cards when I joined.

Ron.
Depends on what your looking for. Penfed has much better rewards than DCU. DCU is much more lenient on credit requirements. Niether is better, just different.

I agree with you. Penfed has better rewards than DCU. Penfed has lower rate than DCU. What about customer service and other online services?

Ron.

Re: Just joined DCU!!!!!!

MazdaSpeed — Mon, 22 Apr 2013 00:31:39 GMT

congrats, if you setup direct deposit and maybe paperless statements, I forgot the requirements but I know their is 2 or 3 and once you meet them you get a free eq fico score the last Friday of every month

Re: Just joined DCU!!!!!!

Ron1 — Mon, 22 Apr 2013 00:35:57 GMT

@MazdaSpeed wrote:
congrats, if you setup direct deposit and maybe paperless statements, I forgot the requirements but I know their is 2 or 3 and once you meet them you get a free eq fico score the last Friday of every month

Thanks for the info!!!! i might signup paperless satement. I am not sure about direct deposit. My boss doesn't like direct deposit. I might have to apply for the credit card later. It might be after six months.

Ron.

Re: Just joined DCU!!!!!!

09Lexie — Mon, 22 Apr 2013 01:18:16 GMT

The early access to your DD is a plus too!

Re: Just joined DCU!!!!!!

MazdaSpeed — Mon, 22 Apr 2013 01:21:09 GMT

Based on some of your other posts I'm assuming you aren't a student whose under the age of 23 Ron, but if you happen to be, they waive the need for direct deposit, I just signed up for paperless and told them I'm a student and will be getting my first free eq score this Friday

Re: Just joined DCU!!!!!!

boomhower — Mon, 22 Apr 2013 01:22:27 GMT

Technically you need either DD or a credit product for the FICO but I got it for months with just an idle checking and savings with minimal money in them.

Re: Just joined DCU!!!!!!

Ron1 — Mon, 22 Apr 2013 01:23:10 GMT

@09Lexie wrote:
The early access to your DD is a plus too!

How's the customer service compared to Penfed? I tried to join SDFCU (State Dept FCU) two months. They were unable to verify ID. I faxed them DL. I called them many times and I got run around. I haven't heard from them since. I hope DCU is better than them.

Ron.

Re: Just joined DCU!!!!!!

Ron1 — Mon, 22 Apr 2013 01:24:50 GMT

@MazdaSpeed wrote:
Based on some of your other posts I'm assuming you aren't a student whose under the age of 23 Ron, but if you happen to be, they waive the need for direct deposit, I just signed up for paperless and told them I'm a student and will be getting my first free eq score this Friday

No, I'm not a student. My college was long time ago. It means I have to apply for credit card to qualify for EQ free score.

Ron.

Re: Just joined DCU!!!!!!

Ron1 — Mon, 22 Apr 2013 01:27:00 GMT

@boomhower wrote:
Technically you need either DD or a credit product for the FICO but I got it for months with just an idle checking and savings with minimal money in them.

Thanks for the reply. I don't really need another credit card right now.

Ron.

Re: Just joined DCU!!!!!!

09Lexie — Mon, 22 Apr 2013 01:30:18 GMT

@Ron1

I have no problems with CS and I have been with them for over 8 years. I know recently they have been hammered with negativity regarding membership applications but I dont want to speak for those who are members- but I haven't read about complaints once you are a member. 😀

Re: Just joined DCU!!!!!!

Ron1 — Mon, 22 Apr 2013 01:32:34 GMT

@09Lexie wrote:
@Ron1

I have no problems with CS and I have been with them for over 8 years. I know recently they have been hammered with negativity regarding membership applications but I dont want to speak for those who are members- but I haven't read about complaints once you are a member. 😀

Thanks for the info.

Ron.

Re: Just joined DCU!!!!!!

Meltdownblitz — Mon, 22 Apr 2013 06:33:40 GMT

Congrats! I'm thinking about joinning as well. Just not sure if I want to take the HP at this moment. But I heard they use the same pull for membership when applying for a cc. Can anyone confirm this?

Re: Just joined DCU!!!!!!

09Lexie — Mon, 22 Apr 2013 06:35:25 GMT

No, they do not use the same HP. If you are thinking of applying for a cc- make sure you are a member first.

Re: Just joined DCU!!!!!!

Meltdownblitz — Mon, 22 Apr 2013 06:42:53 GMT

So if I apply for membership and apply for cc, that would be 2 pulls?! Ahh!