Joined DCU - Question about their products

[MyLoFICO]

I have a lot of inq’s because I went on an app spree before I had read enough threads on this site, about 20-25 on each of the 3 CRA’s. I have now stopped but before I did I joined DCU. I figured I have 2 years anyway, what is 1 more inq? So, I got approved and joined. Now they are sending me e-mails about their cards, car loans and such. I think I read on here they do a HP for each and don’t use the first HP to do the cards and such. But, before my 30 days expires (if it applies to them) is there anything I should do before the big 24 month wait while the latest pull from DCU is still fresh?

[ddemari]

Here's the thing about DCU, everything you apply for is a hard pull on EQ. membership, hard pull. savings account, hardpull. credit card, hard pull. checking account, hard pull. they arent like penfed. I have had zero sucess with them, they have my EQ score at 711 but they dont like all my inquries. 

[MyLoFICO]

I read that on here too. That is why I went ahead and joined. So that when I do need their services, I won’t have to start off with a HP.

[Anonymous]

Do not open a credit card with them. If you do, it will come back to haunt you. They soft pull monthly. I was approved for 2k and made a $400 purchase, 6 days later they closed my account for high utilization and their card was the only one reporting a balance. 

[Anonymous]

They also cleaned out my checking (without my approval) to pay off the card balance. They did it the same day it was closed.

[MyLoFICO]

Did they give you any reason? Their mortgages are what appeals to me the most. I am going to refinancing my home in a year. 

[Anonymous]

They told me they didn't like it that I spent $400 on a brand new card they issued me, even though my limit was 2k. They will also lie to you about not doing a hard pull for the first 30 days of membership. Everything you open with them is a HP. I have 4 from them.

[CreditDunce]

I have heard if you wait for the pre-approval's, they will not HP you.   They pre-approve for Auto and CC cards. 

[MrsCHX]

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@Anonymous wrote:

They told me they didn't like it that I spent $400 on a brand new card they issued me, even though my limit was 2k. 

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That is insane. 

[MyLoFICO]

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@CreditDunce wrote:

I have heard if you wait for the pre-approval's, they will not HP you.   They pre-approve for Auto and CC cards. 

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I hope they do this with me. My truck is already at 3.9% but I still owe $30K on it so I wouldn't say no to a refi.