topic Re: Getting Approved at DCU? in Credit Cards

Getting Approved at DCU?

Anonymous — Mon, 21 Oct 2013 21:42:55 GMT

How hard is it to get approved at DCU? I was approved for a Visa Sig today with a $6000 CL but didn't realize that I also had to be approved into the credit union. How hard is it to get in? Now that I've checked the place out I really want to get in. I'm currently paying almost 11% ARP on my Toyota truck right now and DCU has loans as low as 1.99%...I'm getting WAXED by Toyota Financial Services!!

Re: Getting Approved at DCU?

09Lexie — Mon, 21 Oct 2013 21:53:07 GMT

It's not difficult but they can get picky with id verifications. You need to apply and they will pull your CR, until then the cc will be on hold.

Re: Getting Approved at DCU?

Anonymous — Mon, 21 Oct 2013 23:34:46 GMT

Bump..anyone else have anything?

Re: Getting Approved at DCU?

09Lexie — Mon, 21 Oct 2013 23:38:35 GMT

What else did you need to know?

Re: Getting Approved at DCU?

Credit-hoarder — Mon, 21 Oct 2013 23:44:53 GMT

@jbb2788: So you app-ed for and were approved for the Visa card without being a member?

Re: Getting Approved at DCU?

Anonymous — Tue, 22 Oct 2013 00:00:10 GMT

@Credithorder Yes but They asked for income verification so I'm thinking I'll have to send that in before they approve me for membership? Has anyone ever been denied membership?

Re: Getting Approved at DCU?

Credit-hoarder — Tue, 22 Oct 2013 00:04:36 GMT

I'm not a member either so I couldn't tell you. But I was looking at their site (DCU) this morning and thought you had to already be a member to apply for cards-just like most other CU's. Maybe they'll let you in. Good luck.

Re: Getting Approved at DCU?

09Lexie — Tue, 22 Oct 2013 00:04:52 GMT

Yes, plenty have which is why it's strongly recommended to become eligible first. Their credit card department is separate from their membership dept. Asking for income verification is for the credit card division only.

Most CUs require membership before any lending products will be finalized.

Re: Getting Approved at DCU?

Anonymous — Tue, 22 Oct 2013 00:12:20 GMT

Well I didn't see a application for the credit union membership application anywhere so I went ahead and applied for the credit card. I think it is weird that they approved me for the card without being a member first. I understand that they will put the card on hold until I become a member.

Re: Getting Approved at DCU?

09Lexie — Tue, 22 Oct 2013 00:22:48 GMT

I thought the app asked for a membership Id- regardless, you'll find very few CUs that will allow cc's/banking without the collection of 'dues'

Re: Getting Approved at DCU?

Kenny — Tue, 22 Oct 2013 00:31:09 GMT

It will either be pretty easy or it will not be. It was instant for me just had to send in verification id stuff later but that was easy and painless. I'm almost wishing I had done what you had done (backwards) because the starting CL on mine is wayyyy lower. I always seem to mess myself up though with apps like these he said I didn't put a requested amount.. I swear I did NOT see a spot that said that otherwise I know to reach for the moon and hopefully land around the stars. lol

Re: Getting Approved at DCU?

09Lexie — Tue, 22 Oct 2013 00:29:34 GMT

Usually, they will ask for your drivers license (color copy) and social security number. Some have mentioned proof of address ie utility bill.

Re: Getting Approved at DCU?

Kenny — Tue, 22 Oct 2013 00:35:16 GMT

@09Lexie wrote:
Usually, they will ask for your drivers license (color copy) and social security card. Some have mentioned proof of address ie utility bill.

+1 Had to do all 3 for me. (Except sent in birth certificate because of the government shutdown and my social security card being stolen.

Re: Getting Approved at DCU?

Anonymous — Tue, 22 Oct 2013 00:50:17 GMT

Well my application for membership was not instant. It said a represenitive will contact me within 1 business day with more information about setting up my account. Hopefully there are no snags...

Re: Getting Approved at DCU?

kimmiller112 — Tue, 22 Oct 2013 01:07:33 GMT

I had tried getting a membership last December I think and got denied. When I called, a representative and a supervisor told me there was an issue with my ID, but could go into further detail or even explain what that meant. This was after I sent them copies of my driver's license, SS card, utility bill and paystub. However, I apped for a credit card and was approved for that pending my sending my membership number to them, so I ended up not being able to get the cc. I just apped again for both the membership and cc. The membership was immediately approved without me sending anything in and I got approval for the cc pending my sending them a paystub, which I will do tomorrow.

Re: Getting Approved at DCU?

jbrown773 — Tue, 22 Oct 2013 01:14:44 GMT

You can apply for a card before becoming a member but to actually get it you would need to become a member. Which is very simply they will most likely ask you to open an account and to do that you will need to donate $10 to one of their charities. But what I dislike about the site it will not let you pay your credit card from another bank account like most credit card companys do. Meaning you cant link your BofA or USbank or what ever you have to the account to pay your bill. You have to deposit money into their account then pay your bill from that account. But on the plus side if you have a smart phone you can deposit checks from your bank to the DCU account by "snap shot" so that is a quick way. I asked for an easy way but they told me that their site doesnt have that feature yet to add another bank account. Oh and you can go to a Credit Union that is partnered with them, which is quite a lot and pay that way too.