topic Re: DCU in Credit Cards

DCU

Anonymous — Tue, 05 Nov 2013 20:16:00 GMT

What are your opinions of DCU? I've been a member for about a week now and I have to say I am less than impressed. I have seen other posters say that a represenative has contacted them when they opened a account/loan, I have not received a call from 1 single person and I have opened a account and a auto loan. I was also approved for a DCU Visa Plat. Rewards. Their customer service seems to be horrible and I do not have locations around where I live and I have to say I'm started to get worried that if there are problems they will be hard to take care of. Should I forget DCU even though I have the Visa with them? It has a $6000 limit and is by far my largest CL. Should I cancel the auto loan application? What have been your experiences with DCU?

Re: DCU

09Lexie — Wed, 06 Nov 2013 01:38:01 GMT

Are you saying you are upset with them because they haven't called you? I am not sure why they needed to call the other members but I can guarantee they are calling for a reason. Did your app need additional processing? Were your terms unacceptable? Did you card not arrive timely?

Just trying to understand why you are having second thoughts.

Re: DCU

Credit-hoarder — Wed, 06 Nov 2013 02:09:47 GMT

Can anybody join DCU?

Re: DCU

09Lexie — Wed, 06 Nov 2013 02:18:39 GMT

You can with a sm donation if you are outside of their normal eligibility list

Re: DCU

Credit-hoarder — Wed, 06 Nov 2013 02:24:19 GMT

I looked at their website. By small donation, do you mean opening a savings acct? Also I understand the pull your CR for membership-True?

Re: DCU

09Lexie — Wed, 06 Nov 2013 02:32:04 GMT

Not just the savings account. I think it's $10 to an organization.
They pull EQ for membership.

Re: DCU

masscredit — Wed, 06 Nov 2013 04:13:49 GMT

I've found them to be excellence to deal with. I'm lucky that they have branches about 45 minutes from me. Checking, saving and 1.9% auto loan. So far so good!

Re: DCU

Anonymous — Wed, 06 Nov 2013 05:57:49 GMT

The best CU in USA. Perfect online banking website. Good cc no cash advance fee. You can move all your credit to your checking A/C and no any fee.

Re: DCU

CreditUnionFan — Wed, 06 Nov 2013 13:24:40 GMT

I wouldn't necessarily be disappointed that DCU hasn't called you. I joined one credit union because I was in the town that they had a few branches a lot, but the call was trying to find out how they could transfer my accounts to them, but since I'd already gotten a low-rate mortgage, and a zero-rate car, there wasn't much they could do for me.

Anyway, that being said, one of the best things about DCU is their accessibility. Website has been great, backed by Fiserv, similar system to small banks used nationwide. There is the mobile app. Also check out the Co-Op Shared Branches where you can walk in and make many transactions as if you were in MA: http://www.co-opsharedbranch.org/

I joined many years ago when I worked for Digital. Now others can join through their FoM, or join an organization for a small donation.

I don't always use DCU, but when I'm looking for a financial product, I do check them out. Their rates sometimes are the best out there, and their reps over the phone have always been great. I refinanced my car with them and it was easy. At the time I was earlier in the rebuilding phase, but the underwriter took my 15+ years of membership into consideration and approved the advertised 1.99% rate.

Getting your check direct deposited gets you paid early - I see the funds on a Wednesday evening for a Friday morning payroll.

With the Visa, I get the Equifax FICO score monthly.

I recommend them highly!

Re: DCU

hyp0luxa — Wed, 06 Nov 2013 14:32:01 GMT

They also pull Chex

Re: DCU

09Lexie — Wed, 06 Nov 2013 20:51:38 GMT

Most banking institutions will pull chexsystems in opening an account.

Re: DCU

Anonymous — Wed, 06 Nov 2013 23:55:33 GMT

With no disprespect towards you, I'm going to have to say this:

You appear surprised that there are no locations near you. That should have been the first thing you should have considered when the thought got in your head to start dealing with DCU.

Second, nobody calling you. I did happen to receive a phone call from a rep when I joined and he thanked me for joining, gave his info about the bank and the products that they offered and inquired about my interest in further DCU products. It was a nice PR move and I was appreciative, but you didn't miss much.

Fact is, you're not the only DCU member to have no local branches - in fact, the majority of DCU members probably don't have accessible branches close by.

And despite the reservations you have now, those same reservations never occurred to you when you took an auto loan from them? Applied and was approved for a VISA with them? Opened accounts with them?

Count your lucky stars: you got an auto loan - probably at a great rate -, a credit card with a very decent starting limit and full online access to your products.

My vote is this: you'd be the biggest fool this side of the moon if you dumped all that on account of the reasons that you stated in your OP.

Re: DCU

Anonymous — Thu, 07 Nov 2013 00:13:19 GMT

@Unusuallyconfused- I never said I was going to dump them. I said that I was a little worried and then proceeded to ask others for their input on their experiences with Dcu. Thank you for your response.

Re: DCU

myjourney — Thu, 07 Nov 2013 00:22:13 GMT

I'll remind everyone if we can't say anything nice don't say anything negative please

Thanks

Re: DCU

kroberts67 — Thu, 07 Nov 2013 11:59:39 GMT

I joined and any time i've had to call, their reps are always overly nice and helpful although they're not too knowledgable on how credit works, lol. I've never had a call from them, as if there's an offer i'd expect an email. So far no complaints, and love my free FICO and that i can do e-deposits!

Re: DCU

Kenny — Thu, 07 Nov 2013 12:51:43 GMT

My concern was that I've contacted a representative who apologized for the gentleman who was rude to me with the credit card and told me the underwriter would call me. No one has called and it's been two weeks. I am not upset, I just think they are letting things slip through the cracks. I will need to call again but it takes a whole on the phone so I haven't made the time for it.

Re: DCU

Kenny — Fri, 08 Nov 2013 02:40:20 GMT

Finally am done with this issue. Closed the account. Nothing lost, nothing gained. I am certainly not impressed, but at the same time I am not disappointed in them at all. They based the decision they made on the mess of a credit situation I put myself in. Without adding this crap of an account, it looks better. I will have stellar credit before I know it. Situations like these just cement cause and effect in my mind. Best of luck everyone! (And by luck, I mean when preparation meets opportunity!)