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Approved for DCU CC, but can't figure out membership procedure?

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Valued Contributor

Re: Approved for DCU CC, but can't figure out membership procedure?

Did you escape the hp for the membership?


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 11 of 18
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Valued Contributor

Re: Approved for DCU CC, but can't figure out membership procedure?

Oh and if you're approved today for all of that then you will be tomorrow too!  So wait until your brain becomes unfried to decide what to do Smiley Very Happy


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 12 of 18
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Valued Contributor

Re: Approved for DCU CC, but can't figure out membership procedure?

Not sure about the 2nd HP.  The one HP showed up on EQ along with Discover and US Bank that I app'd for yesterday.  That makes it 4 on EQ.

And 2 HP's  on TU from the Paypal Extra Master and Lowes from app'ing yesterday.  None on EX.  So a total of 6.

 

So, I'm not too concerned about an extra HP.  I'm not only in the garden, i'm in the whole plantation anyway.

 

If they were offering me another $5k card right now, is there a reason why I should not have taken it?  Or any reason why I shouldn't call them tomorrow and tell them to go ahead and send it with the $10k card?

Message 13 of 18
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Valued Contributor

Re: Approved for DCU CC, but can't figure out membership procedure?

Well I would say only take if you need it, however since high limits gets higher limits, and if that's one of your goals then I would take it.  Just depends on what you want.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 14 of 18
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Valued Contributor

Re: Approved for DCU CC, but can't figure out membership procedure?

BTW, the rate on the DCU $10K card is 8.5%.  My CU(General Electric) gave me $3500 at 8.99%.  

Message 15 of 18
Valued Contributor

Re: Approved for DCU CC, but can't figure out membership procedure?

Don't NEED any of them in reality.  Hell, I've been stuck with a $500 Cap One for the last 3 yrs untl I got my lst big-ish limit $3500 card a month ago.

 

I do need a good rounded portfolio of credit for that house in 2014 though.

Message 16 of 18
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Valued Contributor

Re: Approved for DCU CC, but can't figure out membership procedure?

Your rate is better than mine. I have 9.5%.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 17 of 18
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Valued Contributor

Re: Approved for DCU CC, but can't figure out membership procedure?

Yeah those offers should be good for 30 days, I wouldn't worry about it.  

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 18 of 18
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