@Anonymous wrote:
Fee,
Nice ride you got there!
For those who are members or previously applied. Would you suggest applying for an auto loan first to see if I get approved or apply for membership first? Would like to avoid unneccessary HP. I also read from years back DCH goes a little crazy with their HP, not sure if that's the case now.
I'm only hesitant because I'm currently using a po box as a residents address(due to unforeseen circumstances) which I don't think is considered a "real" residency. Po box is listed on my credit report but would hate to be declined due to not being able to show proof of utility bill of some sort.
Apply for the auto loan first.
In my experience, they did not initate more HP's for my membership, and even gave me a Visa card on the same HP I used for the auto loan. Three products for one HP. When I initiate another auto loan with them in a few months, I will use that HP to get an increase on my Visa at the same time.
Once your loan is approved, they will tell you to open a membership, make your $10 donation, and $5 opening balance to your share savings account. FYI, stick $1,000 in this account - it's the only thing that pays 5% interest on the first $1,000 so easily.
