DCU, why must you tease me?!?!

[B335is]

---

@pipeguy wrote:

Funny thing about DCU, they denied me a Visa when I first joined, but I reapplied a month later with nothing really changing on my CR or scores and was instatly approved for a $7k started CL. 

It's a great card, NO cost cash advances or transfers, just "click" to your checking account and pay it off before the next cycle - Zero APR "payday loan" heh...

I don't think they HP'ed me a second time either.

---

Pipeguy,

Why were you denied the first time?

[pipeguy]

---

@B335is wrote:

---

@pipeguy wrote:

Funny thing about DCU, they denied me a Visa when I first joined, but I reapplied a month later with nothing really changing on my CR or scores and was instatly approved for a $7k started CL. 

It's a great card, NO cost cash advances or transfers, just "click" to your checking account and pay it off before the next cycle - Zero APR "payday loan" heh...

I don't think they HP'ed me a second time either.

---

Pipeguy,

Why were you denied the first time?

---

Applied 10.18.25 Credit too new to rate. Excessive number of credit file inquiries. Excessive number of new accounts.

Applied 11.25.14 - Instant approval $7k

Go Figure...

[tray]

---

@B335is wrote:
I would really prefer a CLI on my Penfed card, but not holding my breath. I think you're all right though, DCU isn't really known for high limit cards.

---

B335is I recieved a 15K limit on their regular platinum card, I do not know if anyone else has recieved higher limit.....

[B335is]

Pipeguy,

Thanks for the info. I had a similar denial. Did you apply right after they approved membership?

Tray,

Thanks. 15k isn't terrible. Given my track record with CUs 15k would be great.

[pipeguy]

---

@B335is wrote:
Pipeguy,

Thanks for the info. I had a similar denial. Did you apply right after they approved membership?

Tray,

Thanks. 15k isn't terrible. Given my track record with CUs 15k would be great.

******** 

B335 - yeah pretty much within a week at least. Just added a new (2013 used) car loan in December and that was super easy - went for a pre-approval which was good for 30 days and my guess of what I needed was actually higher than what I used.

I know DCU gets generally positive reviews on here with some mixed reviews, but frankly having experience with PenFed, Congressional FCU, Dept of Commerce  FCU and NASA - my experiece is that DCU blows them all away (note I didn't get in on the NASA gravy train, although I did score on Diners). Of course everyone loves PenFed but after being with them going o 40 years, we are not seeing eye to eye anymore.

[Anonymous]

What were your scores at the time of those apps?

[pipeguy]

---

@Anonymous wrote:

What were your scores at the time of those apps?

---

Mid-700's (731 to 753) on here, but DCU's FICO came back as 691 (they don't use FICO08). As a datapoint, DCU told me their best rate auto loans require a 675 using their scoring model - don't know about the Visa requirement(s).

[Kenny]

My scores were great when i applied and got a 3k initial limit. And they almost didn't want to give me that! The guy was pretty rude on the phone and I was left with a sour taste in my mouth.

Fast forward some months I get a preapproval for a CLI up to 10k -- accepted that and now have a 10k CL. The card was mostly sock-drawered until I just received an offer in Novmeber to use it to spend 500 in November/December/January for 500 each month and get either 100 or 200 back. So of course, I've used it for $500 or so each month. It also contributed to my decision that the 1% CB was during that time frame, as well.

However, is it a CC that might app for again knowing now what I knew at the beginning? Nope.. I'd have waited for a preapproval very much.

DCU is definitely worth it for an auto loan for me. Easiest experience I've ever had with purchasing a car. (Even got it without a HP, too.)

[B335is]

Thanks Kenny. I completely forgot that you have DCU experience too. Its good information, I might throw in an app just because its been almost 30 days lol.

[B335is]

What is up with these people???? I haven't been able to log into my acct all week. I finally get through to them and she says "oh your acct is flagged for company audit". What the heck is there to audit? I opened it last month and haven't been able to deposit anything besides the $15 opening deposit. She says no idea when the acct will be released.

I am growing so sick of the incompetence of these Credit Unions.