DCU CC Question

[Anonymous]

I opened savings only and as I recall part of the process was asking if I wanted to apply for a car loan or CC at that time. I did not. 

DH applied for a car loan, was approved, app'd for membership with me as joint account holder on savings and checking. Through that membership process, we were not asked if we wanted a CC. 

Anyone who's recently joined and NOT tried to get a CC, did they send you any kind of offers? Their Platinum Rewards has a few perks that make it just THAT much better than the CC our local CU offered us. We have until the beginning of September to make a decision on that. The PR seems like a good emergency card as, if I'm understanding correctly, it's got no fees for BT or cash advance and no higher rate for them either. So a straight 8.5%. (Also, has anyone NOT gotten that rate if they've got the best rate on a car loan?) 

I'm wondering if he (we?) should just app for it or wait and see if we get some kind of an offer. I believe they'll use the auto HP for it for 60 days (could be wrong on that number). 

Alternatively, we could accept the offer from our CU and just hold off on the PR. I don't forsee needing either in the near future, but the lowest rate we have otherwise is 14+%. Local CU has no BT fees, but does have cash advance fees and rate. And the APR is 9.5% vs. DCU's 8.5%. So seems like it wouldn't be bad to pick up one or the other given we've already taken the pulls on both. 

[Ron1]

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

[Anonymous]

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@Ron1 wrote:

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

---

Thanks Ron. I want to make sure I understand what you've said. 

You didn't get any OFFER for a CC. 

You app'd for CC separately after two months for the CC. 

Yes?

[Ron1]

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@Anonymous wrote:

---

@Ron1 wrote:

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

---

Thanks Ron. I want to make sure I understand what you've said. 

You didn't get any OFFER for a CC. 

You app'd for CC separately after two months for the CC. 

Yes?

---

I didn't get any pre-approval when I joined. You cannot use same HP for bothe membership and credit card.  You don't have to wait to apply for credit card like me. Most of them applied for the credit card after they joined.

Ron.

[Anonymous]

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@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

---

Thanks Ron. I want to make sure I understand what you've said. 

You didn't get any OFFER for a CC. 

You app'd for CC separately after two months for the CC. 

Yes?

---

I didn't get any pre-approval when I joined. You cannot use same HP for bothe membership and credit card.  You don't have to wait to apply for credit card like me. Most of them applied for the credit card after they joined.

Ron.

---

Thanks for clarifying.

Right, can't use same HP as membership, but I thought he could use the same one as the auto loan. He's already been double pulled by them. 

[Ron1]

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@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

---

Thanks Ron. I want to make sure I understand what you've said. 

You didn't get any OFFER for a CC. 

You app'd for CC separately after two months for the CC. 

Yes?

---

I didn't get any pre-approval when I joined. You cannot use same HP for bothe membership and credit card.  You don't have to wait to apply for credit card like me. Most of them applied for the credit card after they joined.

Ron.

---

Thanks for clarifying.

Right, can't use same HP as membership, but I thought he could use the same one as the auto loan. He's already been double pulled by them. 

---

No, you cannot use the same HP for everything. You will get another HP if you apply for credit card.  You will have 3 HP on EQ.  I waited for 2 months for my score to climb back up. I was instantly approved $10K. They told me I got pre-approval auto loan waiting every month. The card is just average. I like Penfed cc. You will get more from Penfed. Penfed offers quarterly pre-approval if you have their card for over a year. Have you joined Penfed?

Ron.

[Anonymous]

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@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

---

Thanks Ron. I want to make sure I understand what you've said. 

You didn't get any OFFER for a CC. 

You app'd for CC separately after two months for the CC. 

Yes?

---

I didn't get any pre-approval when I joined. You cannot use same HP for bothe membership and credit card.  You don't have to wait to apply for credit card like me. Most of them applied for the credit card after they joined.

Ron.

---

Thanks for clarifying.

Right, can't use same HP as membership, but I thought he could use the same one as the auto loan. He's already been double pulled by them. 

---

No, you cannot use the same HP for everything. You will get another HP if you apply for credit card.  You will have 3 HP on EQ.  I waited for 2 months for my score to climb back up. I was instantly approved $10K. They told me I got pre-approval auto loan waiting every month. The card is just average. I like Penfed cc. You will get more from Penfed. Penfed offers quarterly pre-approval if you have their card for over a year. Have you joined Penfed?

Ron.

---

Haven't joined Penfed. It was your Penfed post that made me ask about this re: DCU and offers. I'm already juggling local CU, US Bank and now DCU. Not sure I can handle another CU just now. If it's a HP, we'll likely just accept the offer that the local CU gave with the auto app pull. 

I feel like DH's TU is low because he's AU on most things vs. primary and the way they list bankcard balances, I think since the few things he IS primary on are the 0% things we're carrying balances on, he's being hit hard. He needs some Util cushion as a primary, not AU. 

[Ron1]

---

@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

---

Thanks Ron. I want to make sure I understand what you've said. 

You didn't get any OFFER for a CC. 

You app'd for CC separately after two months for the CC. 

Yes?

---

I didn't get any pre-approval when I joined. You cannot use same HP for bothe membership and credit card.  You don't have to wait to apply for credit card like me. Most of them applied for the credit card after they joined.

Ron.

---

Thanks for clarifying.

Right, can't use same HP as membership, but I thought he could use the same one as the auto loan. He's already been double pulled by them. 

---

No, you cannot use the same HP for everything. You will get another HP if you apply for credit card.  You will have 3 HP on EQ.  I waited for 2 months for my score to climb back up. I was instantly approved $10K. They told me I got pre-approval auto loan waiting every month. The card is just average. I like Penfed cc. You will get more from Penfed. Penfed offers quarterly pre-approval if you have their card for over a year. Have you joined Penfed?

Ron.

---

Haven't joined Penfed. It was your Penfed post that made me ask about this re: DCU and offers. I'm already juggling local CU, US Bank and now DCU. Not sure I can handle another CU just now. If it's a HP, we'll likely just accept the offer that the local CU gave with the auto app pull. 

I feel like DH's TU is low because he's AU on most things vs. primary and the way they list bankcard balances, I think since the few things he IS primary on are the 0% things we're carrying balances on, he's being hit hard. He needs some Util cushion as a primary, not AU. 

---

Penfed is a good CU. I like them. I have been with them for over 2 years. They offered me pre-approval auto loan and credit card without any HP. I haven't accepted mine yet. I don't need any auto loan yet. They sent me a blank checks in January. All I need to take the dealer to take the dealer and walked out with the new cars. 

Ok. I think you might heard Penfed from others. They don't like people carrying high balances. You need to think about it before you join. Penfed doesn't offer any 0% BT checks or offers.

It depends what you are looking for. Rewards? Low APR?  HIgh CL?

Ron.

[Anonymous]

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

---

Thanks Ron. I want to make sure I understand what you've said. 

You didn't get any OFFER for a CC. 

You app'd for CC separately after two months for the CC. 

Yes?

---

I didn't get any pre-approval when I joined. You cannot use same HP for bothe membership and credit card.  You don't have to wait to apply for credit card like me. Most of them applied for the credit card after they joined.

Ron.

---

Thanks for clarifying.

Right, can't use same HP as membership, but I thought he could use the same one as the auto loan. He's already been double pulled by them. 

---

No, you cannot use the same HP for everything. You will get another HP if you apply for credit card.  You will have 3 HP on EQ.  I waited for 2 months for my score to climb back up. I was instantly approved $10K. They told me I got pre-approval auto loan waiting every month. The card is just average. I like Penfed cc. You will get more from Penfed. Penfed offers quarterly pre-approval if you have their card for over a year. Have you joined Penfed?

Ron.

---

Haven't joined Penfed. It was your Penfed post that made me ask about this re: DCU and offers. I'm already juggling local CU, US Bank and now DCU. Not sure I can handle another CU just now. If it's a HP, we'll likely just accept the offer that the local CU gave with the auto app pull. 

I feel like DH's TU is low because he's AU on most things vs. primary and the way they list bankcard balances, I think since the few things he IS primary on are the 0% things we're carrying balances on, he's being hit hard. He needs some Util cushion as a primary, not AU. 

---

Penfed is a good CU. I like them. I have been with them for over 2 years. They offered me pre-approval auto loan and credit card without any HP. I haven't accepted mine yet. I don't need any auto loan yet. They sent me a blank checks in January. All I need to take the dealer to take the dealer and walked out with the new cars. 

Ok. I think you might heard Penfed from others. They don't like people carrying high balances. You need to think about it before you join. Penfed doesn't offer any 0% BT checks or offers.

It depends what you are looking for. Rewards? Low APR?  HIgh CL?

Ron.

---

High limit for DH just for util insulation, but the potential perks of being able to BT at a low rate if no 0% offers are around when current 0% end 7/16. Also being able to use in a pinch, the no-fee-cash-advance-same-rate-as-purchase sounded good. Basically would make it a low rate PLOC in card form, to me. Plenty of rewards already. 

[Ron1]

---

@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

---

@Anonymous wrote:

---

@Ron1 wrote:

I didn't get any for credit card. They pulled separate pull for the credit card. I wait two months to apply for the credit card. I applied for the crdit because of free EQ FICO. I heard you don't need to have credit card to get monthly free FICO score. 

Ron.

---

Thanks Ron. I want to make sure I understand what you've said. 

You didn't get any OFFER for a CC. 

You app'd for CC separately after two months for the CC. 

Yes?

---

I didn't get any pre-approval when I joined. You cannot use same HP for bothe membership and credit card.  You don't have to wait to apply for credit card like me. Most of them applied for the credit card after they joined.

Ron.

---

Thanks for clarifying.

Right, can't use same HP as membership, but I thought he could use the same one as the auto loan. He's already been double pulled by them. 

---

No, you cannot use the same HP for everything. You will get another HP if you apply for credit card.  You will have 3 HP on EQ.  I waited for 2 months for my score to climb back up. I was instantly approved $10K. They told me I got pre-approval auto loan waiting every month. The card is just average. I like Penfed cc. You will get more from Penfed. Penfed offers quarterly pre-approval if you have their card for over a year. Have you joined Penfed?

Ron.

---

Haven't joined Penfed. It was your Penfed post that made me ask about this re: DCU and offers. I'm already juggling local CU, US Bank and now DCU. Not sure I can handle another CU just now. If it's a HP, we'll likely just accept the offer that the local CU gave with the auto app pull. 

I feel like DH's TU is low because he's AU on most things vs. primary and the way they list bankcard balances, I think since the few things he IS primary on are the 0% things we're carrying balances on, he's being hit hard. He needs some Util cushion as a primary, not AU. 

---

Penfed is a good CU. I like them. I have been with them for over 2 years. They offered me pre-approval auto loan and credit card without any HP. I haven't accepted mine yet. I don't need any auto loan yet. They sent me a blank checks in January. All I need to take the dealer to take the dealer and walked out with the new cars. 

Ok. I think you might heard Penfed from others. They don't like people carrying high balances. You need to think about it before you join. Penfed doesn't offer any 0% BT checks or offers.

It depends what you are looking for. Rewards? Low APR?  HIgh CL?

Ron.

---

High limit for DH just for util insulation, but the potential perks of being able to BT at a low rate if no 0% offers are around when current 0% end 7/16. Also being able to use in a pinch, the no-fee-cash-advance-same-rate-as-purchase sounded good. Basically would make it a low rate PLOC in card form, to me. Plenty of rewards already. 

---

You might want to try NFCU. They are more generous. I haven't heard too many people get more than $10K from DCU.  No fee BT. It is hard to come by nowadays. 

Ron.