topic Re: How high is your DCU limit? in Credit Cards

How high is your DCU limit?

MountainHiker — Tue, 11 Dec 2012 04:09:55 GMT

I'm curious to know how generous is Digital Credit Union with credit limits on their visa cards? My starting limit is 3K but I wonder if DCU is generous in CLI after 6 months, and how high is your card limit now?

Re: How high is your DCU limit?

jsickz32 — Tue, 11 Dec 2012 04:11:32 GMT

i was approved for 7.5k but was giving a cli to 10k when i call them to do a BT.

Re: How high is your DCU limit?

Rhaeny — Tue, 11 Dec 2012 04:15:37 GMT

@jsickz32 wrote:
i was approved for 7.5k but was giving a cli to 10k when i call them to do a BT.

How long after you got your card did you get the increase?

Re: How high is your DCU limit?

jsickz32 — Tue, 11 Dec 2012 04:18:09 GMT

2 months i think. when i called to do a BT i told them about my NFCU being at 10k which was gonna be better for my utl but the apr with them was better. i was put on hold and the lady told me they were able to raise my cl to 10k

Re: How high is your DCU limit?

Rhaeny — Tue, 11 Dec 2012 04:20:49 GMT

@jsickz32 wrote:
2 months i think. when i called to do a BT i told them about my NFCU being at 10k which was gonna be better for my utl but the apr with them was better. i was put on hold and the lady told me they were able to raise my cl to 10k

Oh that's good news! I just got mine with a 7500 limit in September and I was wondering how soon they would increase it.

Oh one other question, did they have to do a HP?

Re: How high is your DCU limit?

MountainHiker — Tue, 11 Dec 2012 04:22:48 GMT

@jsickz32 wrote:
i was approved for 7.5k but was giving a cli to 10k when i call them to do a BT.

Nice increase.

Re: How high is your DCU limit?

jsickz32 — Tue, 11 Dec 2012 04:24:14 GMT

no they didnt. i didnt ask for the cli...i just mentioned that and the lady went on saying on how they appreciate my business and blah blah and said she was gonna see if she could raise my cli so it wouldnt affect my ult like i mentioned

Re: How high is your DCU limit?

MountainHiker — Tue, 11 Dec 2012 04:24:48 GMT

Do you think 3 months is too soon to ask for a doubling of my credit limit?

Re: How high is your DCU limit?

Anonymous — Tue, 11 Dec 2012 04:38:03 GMT

They gave me $1,500 CL based on my income because I have a thin file at the moment. I was just recently approved a week ago so I'd like to know about CLI too....

Re: How high is your DCU limit?

jsickz32 — Tue, 11 Dec 2012 04:39:19 GMT

@MountainHiker wrote:
Do you think 3 months is too soon to ask for a doubling of my credit limit?

i dont know to be honest

Re: How high is your DCU limit?

KausticRage — Tue, 11 Dec 2012 04:41:34 GMT

I recently got approved with a 5k limit.

Re: How high is your DCU limit?

MountainHiker — Tue, 11 Dec 2012 04:46:31 GMT

I'm excited about this card it's my first non toy limit card and the services seem very nice.I was impressed that the card has rental protection for renting cars. No more paying insurance when renting cars while out of town.

Re: How high is your DCU limit?

MountainHiker — Tue, 11 Dec 2012 04:50:45 GMT

I wonder if any one on this site has a $20K plus limit on their DCU card?

Re: How high is your DCU limit?

jsickz32 — Tue, 11 Dec 2012 04:52:42 GMT

did any of you had to provided proof of income? i had to drive to a branch to give them paystubs and statements

Re: How high is your DCU limit?

KausticRage — Tue, 11 Dec 2012 04:56:13 GMT

I didn't have to provide proof of income but I have read that others have. The only thing I had to provide was my DL and SSN card.

Re: How high is your DCU limit?

MountainHiker — Tue, 11 Dec 2012 04:58:30 GMT

@jsickz32 wrote:
did any of you had to provided proof of income? i had to drive to a branch to give them paystubs and statements

Most have to and especially if the credit limit is sizable. Once a history is established with DCU things like POI will not be as important I would think.

Re: How high is your DCU limit?

jsickz32 — Tue, 11 Dec 2012 04:58:45 GMT

@KausticRage wrote:
I didn't have to provide proof of income but I have read that others have. The only thing I had to provide was my DL and SSN card.

if you ask for a cli they most likely will ask you for them.

Re: How high is your DCU limit?

Anonymous — Tue, 11 Dec 2012 06:23:32 GMT

I started at 15k.

Re: How high is your DCU limit?

Anonymous — Tue, 11 Dec 2012 06:26:08 GMT

Is it cuz your income is high or do you have other cards with high CLs?

Re: How high is your DCU limit?

MountainHiker — Tue, 11 Dec 2012 06:38:17 GMT

@Anonymous wrote:
I started at 15k.

Sweet limit.I sense high scores on your credit report. I have a feeling DFCU will offer a nice limit once history has been established with them.