Re: Getting DCU Card ~10k limit

Anonymous · ‎10-02-2016

Call me crazy but I want to get a DCU card with ~10k limit. I use DCU for my banking and would like to have the overdraft option from the VISA card. I know there are "better" options but I'm happy with the DCU banking and would rather keep it that way.

I've opened 5 credit cards this year, 3 Jan-Mar (1500, 2500, and 4700 limits) and 2 this month (10k and 15k limits) and don't intend to apply for any others. The last negative items should fall off my Equifax report in April.

If I wait until April will DCU care about the recent accounts? Will I have issues with DCU in the future if I apply for more cards or CLIs?

baller4life · ‎10-02-2016

You will be absolutely fine waiting till April. DCU does sp your reports after giving credit. And have been known to AA if you go buckwild apping in the future. But, as long as you don't go crazy, you will be just fine.

Anonymous · ‎10-02-2016

I have DCU Platinum with a 10K limit. When I applied I had 10 new accounts and 11 inquries on EQ. I also have a auto loan, savings, checking, CD and money market with them. I got all of these after I was approved for the Platinum.

What is your EQ Mortgage score? That's what they pull.

Anonymous · ‎10-02-2016

My EQ mortgage score is 650.

Anonymous · ‎10-02-2016

You should be able to get your foot in with the Platinum Visa. I don't think you will get 10K, but who knows.

Do you have any baddies?

Anonymous · ‎10-02-2016

2 charge offs ($300 and 600) and a collections account for $2500. I can probably get the charge offs removed but long story short I don't want to risk any request with the collection turning into a dispute. I have no problem waiting until these fall off my reports and my recent accounts gain a bit of age.

Anonymous · ‎10-02-2016

I think you would have better results waiting. Do you have a branch close to you? Reason I ask, you could go into the branch and discuss and get their thoughts.