topic Re: Questions for DCU credit card holders in Credit Cards

Questions for DCU credit card holders

DigitalArk — Wed, 07 Aug 2013 06:54:07 GMT

Can you do an auto pay online to pay the statement balance monthly? How's their Visa Platinum Rewards Card? Does it have foreign transaction fee? Can you redeem points for cash or credits? Do they have Visa Signature?

Re: Questions for DCU credit card holders

09Lexie — Wed, 07 Aug 2013 06:55:25 GMT

1. Yes
2. Not worth it IMO. the rate is higher and the rewards are meh.
3. Yes
4. No

Re: Questions for DCU credit card holders

DigitalArk — Wed, 07 Aug 2013 07:02:36 GMT

What's the rates of their FTF?

Re: Questions for DCU credit card holders

09Lexie — Wed, 07 Aug 2013 07:04:04 GMT

Foreign Currency Transaction:
Conversion Fee: 2%. Conveyance in US Funds Fee (no conversion necessary) 0.80%.

Re: Questions for DCU credit card holders

DigitalArk — Wed, 07 Aug 2013 07:10:54 GMT

"No Fee or Higher Rate for Cash Advances – Cash advances are free! Get advances 24-hours a day from any ATM displaying the Visa logo or by calling DCU or through Online Banking. Easily transfer money to any of your DCU Savings or Checking accounts or have a check mailed to you. Plus, we offer cash advances up to $200 per day at participating hotels."

Does it mean I can use their credit card(s) to withdraw money like a debit card?

Re: Questions for DCU credit card holders

09Lexie — Wed, 07 Aug 2013 07:19:43 GMT

Yes, you will pay interest immediately. No grace period on Cash Advances or BT

Re: Questions for DCU credit card holders

kevinjjc — Wed, 07 Aug 2013 10:50:01 GMT

@DigitalArk wrote:
"No Fee or Higher Rate for Cash Advances – Cash advances are free! Get advances 24-hours a day from any ATM displaying the Visa logo or by calling DCU or through Online Banking. Easily transfer money to any of your DCU Savings or Checking accounts or have a check mailed to you. Plus, we offer cash advances up to $200 per day at participating hotels."

Does it mean I can use their credit card(s) to withdraw money like a debit card?

Sounds like you'd be interested in Discover Cash Over: https://www.discover.com/credit-cards/help-center/faqs/cash-over.html

Re: Questions for DCU credit card holders

DigitalArk — Wed, 07 Aug 2013 15:14:25 GMT

No, not at all but thank you for the link though. I want to get the free FICO from DCU and need to qualify for the plus checking. I don't and won't DD with them. That's why I am looking at their CC. Really don't want to get 6 CC total if I can avoid it.

Re: Questions for DCU credit card holders

DigitalArk — Wed, 07 Aug 2013 15:21:58 GMT

Can you pay the statement balance automatically with an external checking?