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    <title>topic Re: Duck Card in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2830253#M805401</link>
    <description>There's something called terms and conditions, any bank CC company, credit union etc can close your account without reason. There are also arbitration clauses (terms and conditions) that EVERY single bank, CC company, credit union had you sign, that prevents you from what you consider suing.</description>
    <pubDate>Wed, 19 Feb 2014 00:13:23 GMT</pubDate>
    <dc:creator>blondy250</dc:creator>
    <dc:date>2014-02-19T00:13:23Z</dc:date>
    <item>
      <title>Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816097#M801787</link>
      <description>&lt;P&gt;Hello everybody&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;If you havent known, all applications for the Duck Card are denied from all States besides Oregon. I just spoke to a supervisor.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Maybe its helpful if you want to apply&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Have a good day&lt;/P&gt;</description>
      <pubDate>Thu, 13 Feb 2014 23:41:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816097#M801787</guid>
      <dc:creator>dbutterworth1988</dc:creator>
      <dc:date>2014-02-13T23:41:11Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816123#M801795</link>
      <description>&lt;P&gt;I wonder if that is related to the potential compromised event lol.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;That's not in the disclosures when applying for the card so if it's true shame on them again.&amp;nbsp; Not hard to update a PDF file.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 13 Feb 2014 23:45:24 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816123#M801795</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-02-13T23:45:24Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816153#M801806</link>
      <description>Oh well.. THE PARTY'S OVER!! &lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;</description>
      <pubDate>Thu, 13 Feb 2014 23:51:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816153#M801806</guid>
      <dc:creator>baller4life</dc:creator>
      <dc:date>2014-02-13T23:51:41Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816239#M801917</link>
      <description>As soon as I get a call back from an underwriter I'll update and see what they say</description>
      <pubDate>Fri, 14 Feb 2014 00:18:04 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816239#M801917</guid>
      <dc:creator>dbutterworth1988</dc:creator>
      <dc:date>2014-02-14T00:18:04Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816331#M801947</link>
      <description>&lt;P&gt;Even for alumni and full members?&amp;nbsp; What's the point of the card !&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 00:40:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816331#M801947</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-02-14T00:40:20Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816377#M801963</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/743979"&gt;@baller4life&lt;/a&gt; wrote:&lt;BR /&gt;Oh well.. THE PARTY'S OVER!! &lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I wasn't even invited...lol...&lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;!&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 00:51:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816377#M801963</guid>
      <dc:creator>indiolatino61</dc:creator>
      <dc:date>2014-02-14T00:51:31Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816397#M801971</link>
      <description>&lt;P&gt;oh well...not much missed....cannot see anything special on these cards but maybe their names DUCK and BEAVER ..LOL&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 01:01:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816397#M801971</guid>
      <dc:creator>lg8302ch</dc:creator>
      <dc:date>2014-02-14T01:01:51Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816433#M801980</link>
      <description>&lt;P&gt;lg8302ch OCCU offers superior credit management features that are untouched in the industry.&amp;nbsp; These include 100% inaccessible credit lines 100% of the time.&amp;nbsp; They're very proactive in helping you keep your scores high and utilization low.&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 01:32:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816433#M801980</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-02-14T01:32:58Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816439#M801982</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;lg8302ch OCCU offers superior credit management features that are untouched in the industry.&amp;nbsp; These include 100% inaccessible credit lines 100% of the time.&amp;nbsp; They're very proactive in helping you keep your scores high and utilization low.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;oh yes my fault.....completely forgot that &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 01:35:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816439#M801982</guid>
      <dc:creator>lg8302ch</dc:creator>
      <dc:date>2014-02-14T01:35:55Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816447#M801985</link>
      <description>&lt;P&gt;So in the space of about a month, these cards have gone from being THE hot topic and being the card that most people were interested in - to being as popular as a fart in a space suit, that is very sad ;(&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 01:37:39 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816447#M801985</guid>
      <dc:creator>chrisw1968uk</dc:creator>
      <dc:date>2014-02-14T01:37:39Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816455#M801987</link>
      <description>&lt;P&gt;chris the card may be fine OCCU is like a fart in a crowded elevator, it stinks for everyone.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 01:40:29 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816455#M801987</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-02-14T01:40:29Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816461#M801988</link>
      <description>&lt;P&gt;i just got done reading an article that states occu's game plan was to help its card holders by creating a card that would always show 0% utilization!!!!! MISSION ACCOMPLISHED&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 01:42:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816461#M801988</guid>
      <dc:creator>juggalo9er</dc:creator>
      <dc:date>2014-02-14T01:42:35Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816465#M801990</link>
      <description>&lt;P&gt;juggao9er their cards really do save you hundreds on interest!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;A new tag line may be in order&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;"Remarkably Slow to Respond"&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 01:44:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816465#M801990</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-02-14T01:44:10Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816475#M801992</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;juggao9er their cards really do save you hundreds on interest!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;A new tag line may be in order&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;"Remarkably Slow to Respond"&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;HR /&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;P&gt;have they told anyone any real news?&lt;BR /&gt;&lt;BR /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 01:47:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816475#M801992</guid>
      <dc:creator>juggalo9er</dc:creator>
      <dc:date>2014-02-14T01:47:40Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816709#M802046</link>
      <description>&lt;P&gt;So glad I didn't jump on this card... Hopefully you guys can all start using them soon.&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 03:01:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2816709#M802046</guid>
      <dc:creator>Exonumist</dc:creator>
      <dc:date>2014-02-14T03:01:51Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817075#M802135</link>
      <description>Jugg:&lt;BR /&gt;&lt;BR /&gt;Nobody is reporting their cards are on. In another forum someone said they called occu and were bounced from department to department. Another person said here they sent a Facebook post that got deleted but no response. Others have posted saying messages sent from the duck site came back with a thing saying they can't help at this time.&lt;BR /&gt;&lt;BR /&gt;Imagine if someone went away on vacation with this card as their primary? Can't even get someone from the credit union to pick up a phone while you're stuck on the side of the road!!!!&lt;BR /&gt;&lt;BR /&gt;Has anyone that had theirs turned on gotten an explanation or a letter?</description>
      <pubDate>Fri, 14 Feb 2014 05:44:24 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817075#M802135</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-02-14T05:44:24Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817133#M802158</link>
      <description>&lt;P&gt;My card is active and I just had a BT last month. I even received a PIN which I never requested. Have had no problems with the Duck.&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 06:07:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817133#M802158</guid>
      <dc:creator>amdm2013</dc:creator>
      <dc:date>2014-02-14T06:07:14Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817237#M802200</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Jugg:&lt;BR /&gt;&lt;BR /&gt;Nobody is reporting their cards are on. In another forum someone said they called occu and were bounced from department to department. Another person said here they sent a Facebook post that got deleted but no response. Others have posted saying messages sent from the duck site came back with a thing saying they can't help at this time.&lt;BR /&gt;&lt;BR /&gt;Imagine if someone went away on vacation with this card as their primary? Can't even get someone from the credit union to pick up a phone while you're stuck on the side of the road!!!!&lt;BR /&gt;&lt;BR /&gt;Has anyone that had theirs turned on gotten an explanation or a letter?&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;i do not have have nor have i ever apped for the duck but i do know how upset i would be if i had it with whats going on&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 07:19:23 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817237#M802200</guid>
      <dc:creator>juggalo9er</dc:creator>
      <dc:date>2014-02-14T07:19:23Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817411#M802233</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/770759"&gt;@dbutterworth1988&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;Hello everybody&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;If you havent known, all applications for the Duck Card are denied from all States besides Oregon. I just spoke to a supervisor.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Maybe its helpful if you want to apply&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Have a good day&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I Hope (in the future) they don't decide to take back all of their cards from us (myfico members) that were not part of the credit union when we first joined.&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 12:06:02 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817411#M802233</guid>
      <dc:creator>alvon123</dc:creator>
      <dc:date>2014-02-14T12:06:02Z</dc:date>
    </item>
    <item>
      <title>Re: Duck Card</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817569#M802262</link>
      <description>&lt;P&gt;Sort of figured this was going to happen after seeing the people here with toy limits, &amp;nbsp;getting cards with 5x or 10x higher &amp;nbsp;limits then there next highest card. This was a small credit union card that just closed a loop hole, it was never meant to be a card available to the general public.&lt;/P&gt;</description>
      <pubDate>Fri, 14 Feb 2014 14:39:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Duck-Card/m-p/2817569#M802262</guid>
      <dc:creator>blondy250</dc:creator>
      <dc:date>2014-02-14T14:39:37Z</dc:date>
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