DCU Preapproval - Feedback

[cashorcharge]

Well, new quarter and new offers.  Admittedly, was hoping and still watching as I'd love to see more from PenFed but nothing yet.  Saw this when I logged into DCU today.  I've read a lot about them, benefits of the card etc.  I don't need the loan but would entertain the credit card.  

I also believe I read that accepting this offer wouldn't/shouldn't result in a HP.  Experience with that?

Also, it's not often I see new DCU accounts with higher SL's like $15K or $20K etc. Perhaps I've not seen them?

They are reporting my EQ F5 as 780

Curious on people's opinions...started my membership with them in JAN.  Thanks everyone!

[Anonymous]

Congrats! I continue to not get offers from DCU despite a 770 EQ5. No, I'm not bitter. 😒 

Those offers should not result in a HP but as always, usual caveat to be prepared for a HP applies. 

DCU's preapprovals only go to $10K AFAIA. Manual applications can get more (Mahraja has a $50K limit, for example). 

[AllZero]

Congratulations on your offers!

[cashorcharge]

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@Anonymous wrote:

Congrats! I continue to not get offers from DCU despite a 770 EQ5. No, I'm not bitter. 😒 

Those offers should not result in a HP but as always, usual caveat to be prepared for a HP applies. 

DCU's preapprovals only go to $10K AFAIA. Manual applications can get more (Mahraja has a $50K limit, for example). 

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Thanks so much for clarifying my assumption @Anonymous 

I know you have posted a fair amount about them.  I've been following it.  

And it seems like everytime I see Mahraja there's a HUGE number associated with it...LOL  #Goals

I really appreciate it! Thanks

[cashorcharge]

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@AllZero wrote:
Congratulations on your offers!

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Thanks @AllZero 

I know you've shared a lot about DCU before too.  Appreciate it!!

[AllZero]

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@cashorcharge wrote:

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@AllZero wrote:
Congratulations on your offers!

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Thanks @AllZero 

I know you've shared a lot about DCU before too.  Appreciate it!!

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I don't have the card. From what I've read they offer annually, 6 month BT promos. Seems like a solid card.

Agreed that we don't see a lot of higher limits.

ETA CLI request are HP I think.

[Anonymous]

Congrats 🎉 Awesome SL! Should be a great card. 

[Anonymous]

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@AllZero wrote:

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@cashorcharge wrote:

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@AllZero wrote:
Congratulations on your offers!

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Thanks @AllZero 

I know you've shared a lot about DCU before too.  Appreciate it!!

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I don't have the card. From what I've read they offer annually, 6 month BT promos. Seems like a solid card.

Agreed that we don't see a lot of higher limits.

ETA CLI request are HP I think.

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Yeah CLI requests are indeed HP. That's why my card will forever be stuck at $1K. It's not valuable enough to waste a HP on. 

[cr101]

I knew that I would see @Anonymous in here.  

Regarding the HP for the CLI preapproval, this is 1 of the many times that they messed up my credit report. They did this with the CLI preapproval literally a year ago to the date. I had a preapproval on the site, but they did a HP. They removed it, though. It also affected other DCU members. The way that it was explained to me, it had something to do with my preapprovals not being updated in all of their system bc I applied just around midnight (I had been waiting for that CLI ).

I actually came here today to see if others had the same issue that I had either last night or early this morning. When I checked the DCU site, some of my preapprovals had disappeared. I checked later, and they were back, but with better terms. 

To date, they're still my highest CL and I LOVE their easy access to cash advances. You can transfer it straight to your ck acct. Same rate as your purchases. And, their yearly 0% BT offer with no BT fees is great. This is why I keep the card.

[Gmood1]

@cashorcharge 

I accepted this offer a couple of years ago. There was no HP.

The offer is normally solid.