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Dover FCU tried to blow my socks off

zerofire
Valued Contributor

Dover FCU tried to blow my socks off

As we all know the best way to chill in the garden is to look for your future cards or just fill out prequalification applications without actually submitting for final. Well I bumped into Dover FCU which seams like a rather generic credit union and went to read the website. The fun part is they left a "Check your rate" button on there and I filled out that monstrosity. After the fun spinning and whirring the site said.......I was approved for all products, at their best rates(5.99% and 15.99%), and that there is a $20,000 credit line if I wanted it. Literally everything was the same as an episode of Family Fued without actually being on TV. I am definitely keeping this under consideration for the future.

 

Denver FCU ResultsDenver FCU Results

TU:758 06/19/20 Bank of America--EX: 776 06/10/20 Experian--EQ:810 09/25/18 Citi--Gardening since 01/11/21
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Message 1 of 243
242 REPLIES 242
CreditMagic7
Super Contributor

Re: Denver FCU tried to blow my socks off

Sometimes boredom can lead us into quite suprising and favorable unchartered waters Smiley Very Happy

 

That 5.99 APR is enough to make the mouth water Smiley LOL



Message 2 of 243
fantic
Regular Contributor

Re: Denver FCU tried to blow my socks off

Thanks for the info

It's Dover.

Up to $18960 Credit Limit
0% APR* intro rate on balance transfers for 12 months
Low Rate: 11.99% APR

I don't believe this lol. Likewise not applying right now, just like you only playing preapproval games for now

Apr/21 CO Plat. SC(500->700), Aug; CITI DC(1000->1500), Sep; CFF(500), Oct; Amazon store card(2100->4000), CITI Best Buy store card(2000), Nov; Tomo(2000->3000), Jan/22; CO SO(2000), Feb/22; Disco It CB(3000)
Next cards; travel card(Delta Gold?), CITI CC? Credit Union card(PenFed?)
FICO8 EX 717 EQ 731 TU 735 util 2%(of 16700)
AAoA 8m AoOA 1y2m AoYA 4m Cards 2/6 7/12 8/24 Inq EX 10/6 24/12 EQ 1/6 3/12 TU 3/6 5/12
Message 3 of 243
babygirl1256
Valued Contributor

Re: Denver FCU tried to blow my socks off

Don't take the bait just yet . . . sometimes those preapprovals may not actually give you the $20k SL . . . bait reflected up to. Smiley Wink

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 4 of 243
Metalcards
Contributor

Re: Denver FCU tried to blow my socks off

@zerofire   just tried it. I also didn't pull trigger, yet Smiley Very Happy

 

 

does anyone know what cra they pull?

 

@FinStar  - for science???

 

...
info

Advantage Mastercard

  • Up to $48900 Credit Limit
  • 0% APR* intro rate on balance transfers for 12 months
  • Low Rate: 6.99% APR
  • No Annual Fee
Message 5 of 243
GoHooterGo
Regular Contributor

Re: Denver FCU tried to blow my socks off

Screenshot_20220507-205553_Chrome.jpg

I was offered both, UP TO $20,000 at 13.9%

 

I know they are checking either Experian or Equifax based on the information it asked me about balance transfers.  Anyone attempt it yet?🤔

Starting Scores FICO8 - 02-23-2022



Current Scores FICO8


Message 6 of 243
FinStar
Moderator

Re: Dover FCU tried to blow my socks off

@zerofire, the subject title has been corrected. It's Dover, not Denver --  big difference (geography-wise). Also, since you placed it under consideration and did not accept the offer or went trough the application process, the thread has been moved to Applications.

Message 7 of 243
CreditMagic7
Super Contributor

Re: Dover FCU tried to blow my socks off

I get the same as well. As @babygirl1256 suggested it's typical lingo to draw in a try. 

Also curious what CRA they hit.  Offered both too.

sshot-2022-05-07-22-05-09.jpg



Message 8 of 243
FinStar
Moderator

Re: Dover FCU tried to blow my socks off


@Metalcards wrote:

@zerofire   just tried it. I also didn't pull trigger, yet Smiley Very Happy

 

does anyone know what cra they pull?

 

@FinStar  - for science???

 

...

Advantage Mastercard

  • Up to $48900 Credit Limit
  • 0% APR* intro rate on balance transfers for 12 months
  • Low Rate: 6.99% APR
  • No Annual Fee

If you feel bold enough @Metalcards -- why not?Smiley Tongue

Message 9 of 243
CreditMagic7
Super Contributor

Re: Dover FCU tried to blow my socks off

And now in my email this came through.

 

sshot-2022-05-07-22-33-09.jpg



Message 10 of 243
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