DCU Credit Pull???

[Yogieatsbooboo]

If I apply for an auto Iona refinance through DCU online, am I apply to them apply for a credit card online without worrying about a second credit pull? Or do I need to call in for additional products if I want to use the same credit pull for 30 days?

I apologize for posting in the wrong forum.

[Cory88]

I like to know as well but I dunno if they if you can it very hard to get a hold of them. If you wait until Jan 2022 and see if you have an offer for one as it just about 45 days away if no offer you can just apply. If you take an offer it's a SP so I have been told.

[iheartwings]

I can't remember if it's 30 or 45 days, but you can use just one. They use EQ5. 

I applied for auto loan - was approved, decided to buy car with cash. Applied for CC next week without any additional pull. 

[Yogieatsbooboo]

I understand they allow you to use the same pull, but am trying to figure out if how to go about apply.

How did you originally? How did you go about the additional applications to use the same pull?

I originally applied online. I'm trying to figure out if I can do additional applications online with the same pull. 

[donneumeyer]

from what i was told just last week  1 pull is good for any product for 45 days.   i got a checking savings and a credit card through them last week. equifax 1 pull no other

[Cory88]

I was talking to the loan department and they told me that all credit apps go to a manual review pre approved or not. Proof of income is a must as they need to calc DTI for the last 90 days on the pay stubs and make sure it's less then 25% DTI on CR and pay stub calc for any approval. A credit report is pulled 100% of the time and it need to be check out. He also stated that this is a new change they had a lot of losses from the old way of doing it. They also look at other credit lines you have open to make sure that if they open a credit with them they have little risk even if the cards have no balance they look at the credit line as a risk. I was nervous to apply as I have low debit but have high credit lines. I don't know if anyone else herd this.