topic Re: DCU - Quick and easy in Credit Cards

DCU - Quick and easy

Anonymous — Sat, 28 Sep 2013 16:44:25 GMT

Got my membership a couple of weeks back with an EQ pull. Apped for the CC last night. Checked status this morning. Approved for 7.5k. My highest limit!!!!

Which way to the garden????

Re: DCU - Quick and easy

09Lexie — Sat, 28 Sep 2013 19:46:20 GMT

Congratulations! Did you go for the non-rewards Visa?

Re: DCU - Quick and easy

Anonymous — Sat, 28 Sep 2013 21:37:34 GMT

Yes. When I was applying I didn't see the link where it lists the rewards and non rewards cards separately. I noticed only later. I used the link on the main page that didn't say anything.

Re: DCU - Quick and easy

09Lexie — Sat, 28 Sep 2013 21:53:15 GMT

Good choice. IMO their rewards Visa is meh. The rates on the non-rewards are much better. May I ask your rate?

Re: DCU - Quick and easy

Anonymous — Sat, 28 Sep 2013 22:07:44 GMT

Don't know yet. The status page on the app said approved with the limit shown. It didn't show the APR. I will have to wait to find out. I may call them on Monday to find out.

Re: DCU - Quick and easy

09Lexie — Sat, 28 Sep 2013 22:15:07 GMT

Ok. Keep us posted.

Re: DCU - Quick and easy

Anonymous — Sat, 28 Sep 2013 22:23:37 GMT

will do...

Re: DCU - Quick and easy

hot4u — Sun, 29 Sep 2013 03:01:06 GMT

Congrats.. DCU was my first CC over $5,000.00 on initial pull

Re: DCU - Quick and easy

Anonymous — Sun, 29 Sep 2013 12:29:30 GMT

Thanks! I was stoked to see it. I was hoping for exactly 7500 and boom...there it was. Also, the app didnt really ask me what limit I wanted. I figured CU CC apps asked you. I was going to shhot for 7500 if the appilcation had asked for a desired limit.

Overall the whole process (membership+CC) was painless and easy.

Re: DCU - Quick and easy

azguy13 — Sun, 29 Sep 2013 16:37:49 GMT

Congrats on your highest CL to date!

I do not think I have ever filled out a CC app that has asked me what I want my CL to be.

Re: DCU - Quick and easy

DigitalArk — Sun, 29 Sep 2013 17:47:28 GMT

Congrats! DCU pulled ChexSystems and EQ for my membership.

Re: DCU - Quick and easy

09Lexie — Sun, 29 Sep 2013 20:41:29 GMT

@DigitalArk

Most CUs and banks will pull chexsystems. It's also very common for CUs to do a hp

Re: DCU - Quick and easy

Anonymous — Mon, 30 Sep 2013 15:40:28 GMT

@09Lexie wrote:
Good choice. IMO their rewards Visa is meh. The rates on the non-rewards are much better. May I ask your rate?

@Anonymous of 7.5k @ 9.5%.

Re: DCU - Quick and easy

Anonymous — Mon, 30 Sep 2013 18:28:48 GMT

Called CSR again to find out when I would get my card. She said that they would ship it out today! That's pretty fast.

Re: DCU - Quick and easy

injustifiiable — Mon, 30 Sep 2013 19:05:26 GMT

I guess they do two separate pulls???

Re: DCU - Quick and easy

Anonymous — Mon, 30 Sep 2013 19:06:00 GMT

Yes. They do.

Re: DCU - Quick and easy

09Lexie — Mon, 30 Sep 2013 19:07:08 GMT

Same rate as me! I was told the cut off for 8.5% is 730...

FWIW, my card arrived 3business days after approval and I live in CA.

Re: DCU - Quick and easy

Anonymous — Mon, 30 Sep 2013 20:02:57 GMT

3 business days is quite fast. I have never received a card in less than a week

Re: DCU - Quick and easy

Anonymous — Mon, 30 Sep 2013 22:14:30 GMT

DCU = Awesome.

My DW is a homemaker, they set her up with her own card to establish her credit with a nice limit(2k). They have made my move to the US so painless -- huge +1 to these guys.