topic Re: Question for all DCU credit card holders in Credit Cards

Question for all DCU credit card holders

wHiTeSoL — Sun, 08 Dec 2013 06:40:38 GMT

I'm ashamed to ask this but I recently got a DCU platinum card and deposited the minimum into checking, since I dont use them for my direct deposit I cant seem to find a way to pay my credit card. I sent a SM and got an equally confusing answer back so,

For everyone who has a DCU credit card that doesn't pay it from DCU checking; how do you pay your credit card bill?

Re: Question for all DCU credit card holders

09Lexie — Sun, 08 Dec 2013 06:53:10 GMT

@wHiTeSoL wrote:
I'm ashamed to ask this but I recently got a DCU platinum card and deposited the minimum into checking, since I dont use them for my direct deposit I cant seem to find a way to pay my credit card. I sent a SM and got an equally confusing answer back so,

For everyone who has a DCU credit card that doesn't pay it from DCU checking; how do you pay your credit card bill?

you can mail the payment or make your payment in any shared branch

Re: Question for all DCU credit card holders

Revelate — Sun, 08 Dec 2013 07:02:53 GMT

DCU CashEdge external transfers are free if DCU is the reciver.

It's a two step process but it's not a big deal for me to shuffle around money when needed if the other manual versions aren't appealing (and I refuse to stuff envelopes and live in S. Cali these days), and you may be able to push payments from Chase / BOFA / et al's bill payment center.

Re: Question for all DCU credit card holders

09Lexie — Sun, 08 Dec 2013 07:23:21 GMT

Duh! Forgot about bill pay.

Re: Question for all DCU credit card holders

wHiTeSoL — Sun, 08 Dec 2013 07:41:17 GMT

I tried to push a payment from Chase and Amex (bluebird) with no luck, they cant find it in their system so it states they will mail a check on my behalf. Dont want to risk it and would love to do all this electronicly

Re: Question for all DCU credit card holders

FinStar — Sun, 08 Dec 2013 07:41:31 GMT

@09Lexie wrote:
Duh! Forgot about bill pay.

Lexie... do you still use pony express for your payments? Please tell me it isn't so! LOL

Re: Question for all DCU credit card holders

09Lexie — Sun, 08 Dec 2013 08:16:34 GMT

@FinStar wrote:
@09Lexie wrote:
Duh! Forgot about bill pay.
Lexie... do you still use pony express for your payments? Please tell me it isn't so! LOL

Haha! No...I use the lenders website for payments. In DCUs case, a shared branch is less than 5 minutes from me.

Re: Question for all DCU credit card holders

odd_dog — Sat, 21 Dec 2013 15:02:42 GMT

Sorry just saw this....here is how I pay....without going anywhere..... First sign up for online deposit....it is free, then that allows you to scan or take a photo with your phone of the check from any bank you want to pay your DCU CC from. Second when that check is deposited into your free checking or savings account from DCU you can pay your CC with a transfer from your savings or checking into your CC...kind of a couple of steps but pretty painless (and you only register for online deposit once). Hope that helps.

Re: Question for all DCU credit card holders

wHiTeSoL — Sat, 21 Dec 2013 18:49:26 GMT

@odd_dog wrote:
Sorry just saw this....here is how I pay....without going anywhere..... First sign up for online deposit....it is free, then that allows you to scan or take a photo with your phone of the check from any bank you want to pay your DCU CC from. Second when that check is deposited into your free checking or savings account from DCU you can pay your CC with a transfer from your savings or checking into your CC...kind of a couple of steps but pretty painless (and you only register for online deposit once). Hope that helps.

That does help a lot thanks! I ending up finding a local partner CU and paying in branch (couldn't find any non bluebird checks!)

Re: Question for all DCU credit card holders

DigitalArk — Mon, 23 Dec 2013 07:05:57 GMT

Not trying to start a flame, but with my very limited experiences, DCU is not convenient in a lot of ways, at least to me. I am thinking to close it next year. I opened checking and savings accounts with them just for the free EQ FICO score.

Re: Question for all DCU credit card holders

wHiTeSoL — Mon, 23 Dec 2013 09:02:15 GMT

@DigitalArk wrote:
Not trying to start a flame, but with my very limited experiences, DCU is not convenient in a lot of ways, at least to me. I am thinking to close it next year. I opened checking and savings accounts with them just for the free EQ FICO score.

They're just so so thus far for me, I went with them to build a CU relationship, and to get the 1.99 auto loan in 6-12 months. They gave me a good limit on a plat card and have been nothing but nice when I called. They just cant give me anymore information about getting my EQ fico yet and they aren't local.

Re: Question for all DCU credit card holders

Revelate — Mon, 23 Dec 2013 17:16:47 GMT

@wHiTeSoL wrote:
@DigitalArk wrote:
Not trying to start a flame, but with my very limited experiences, DCU is not convenient in a lot of ways, at least to me. I am thinking to close it next year. I opened checking and savings accounts with them just for the free EQ FICO score.
They're just so so thus far for me, I went with them to build a CU relationship, and to get the 1.99 auto loan in 6-12 months. They gave me a good limit on a plat card and have been nothing but nice when I called. They just cant give me anymore information about getting my EQ fico yet and they aren't local.

*shrug* they're no different from USAA from my perspective. Both have remote check deposit capability, both offer free transfers into their bank (if inititated from their institution on the typical 3 day business penalty). Admittedly where USAA really, really shines is their 0% outbound ACH transfer if you do need to shuffle money around for whatever reason electronically from bank account to bank account in 2-5K chunks per month.

Maybe it doesn't come up much for me as I don't find either of their cards to be especially appealing to use other than as tradeline farms, and as such I don't spend much on them requiring large or constant sums of transfers. I typically just dump $2K every so often into the DCU account which covers the auto and CC payments for ~5 months. Isn't quite as convenient as the ACH payments of Amex as an example, but it's hardly cumbersome compared to where we used to be as a society on such things.

Re: Question for all DCU credit card holders

blk8 — Mon, 23 Dec 2013 18:29:47 GMT

It's really not that hard and pretty convenient. Like previously mentioned .....

Write a personal check to yourself. Take a picture with the DCU mobile app. Transfer the funds to your credit card.