DCU Credit Card recon?

[Outdoorstech1]

I have auto loan with DCU, got it back in March of this year. I applied for their visa credit card last week and got a call I was not approved and would be senidng me a letter.

Do they recon well? I want to see if I can get this card. I want it for the 0% transfers. MY FICO is about 660

[Anonymous]

DCU does not recon but it doesn't hurt to call and see if they will reconsider.  Not all credit card companies allow recons...

[Anonymous]

good luck with that...from my experience they are very stingy...They approved me for a CC several years ago with a $1000 limit....I tried for two or three years to get a CLI increase with them and they would never budge....I always paid in full, and they would always tell me there is ample credit available on your current card...so I would carry a balance and I would be told that I am utilizing to much of my current available credit. What was really funny was one time I was declined for number of inquiries on my PCR...and I had five, and all five were from DCU...I just ended up closing my CC with them and opened one with Delta Community CU with a starting limit of $7500. Let me know what happens!!

[CreditDunce]

I have read in another post that DCU requires a EQ-04 score of 675 to approve for a CC.  The rates listed were:

675-699  11.5%

700-729  9.5%

730+       8.5%

675-680 is also the score DCU wants to give their best rate on auto loans.

Since you are a member, I would watch your monthly FICO score.  Once you get above 675, you should be good. I think there are some other rules, like no recent BK's, etc.  DCU seems to have strait forward, if inflexible rules. 

You may also get pre-approved for a CC card in your pre-approvals.   I have heard if you are pre-approved, they will not HP you when you app.

[Outdoorstech1]

I got a decent auto loan rate with them back in March.  I called back and chatted with a rep and he told me after he talked to one of the approval people that my decline was not because of my score but because of how much credit I have vs my income or it sounded like I needed to pay my 0% amex, off 4k balance. He was going to tansfer me to the rep in that dept so they could explain better. I didn't want to since I was busy at work I told him the reason I wanted the card was to transfer over some apr balances and take advantage of the 0% apr until july anf no transfer free. I'll have to call back today.