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DCU Approval with DP's

datawonk
Established Member

DCU Approval with DP's

Hello everyone! 

 

Sharing this in case it helps someone else in the community. I applied for membership and the 6.17% savings account with DCU on the 7th. A few days later I spoke to a CSR about a minor issue I was having with logging into their website to access my account. I mentioned that I'm interested in their credit products  and she had me call their loan department at 1-800-328-8797 extension 9150. The person I spoke with at that number approved me for the Platinum card with a SL of $10,000 and a rate of 9.50% - my highest starting line and lowest cc interest rate ever. Smiley Happy I was really surprised because I don't think I have a very strong profile, but I'm happy that DCU doesn't agree with me!

 

My DP’s at the time of application:

EQ5  - 717

Chex - 584

Util - 17%

DTI  - 14%

Inquiries - 6/6, 8/12, 16/24

New Accounts - 16/24

Student Loans - $137K 

No baddies

AAoA 5 years 2 months

 

I should mention that DCU didn't provide me with my Chex score - I ordered it directly from Chexsystems after reading here that the Chex score has been an obstacle for others with DCU in the past. Chexsystems didn't charge me for the score though the score is only delivered via mail, no online delivery option. From what I've been able to ascertain, anything above 580 is a "safe" Chex score even though the metric goes up to 899. 

 

I'm off to the garden for at least the next 15 months, but wishing you all success.





Message 1 of 18
17 REPLIES 17
AllZero
Super Contributor

Re: DCU Approval with DP's

Congratulations on your approval! Thank you for sharing the data points.

Message 2 of 18
CreditAggie
Senior Contributor

Re: DCU Approval with DP's

Congratulations on your DCU approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 3 of 18
babygirl1256
Valued Contributor

Re: DCU Approval with DP's

Congrats on your DCU Platinum card approval -and- your great $10k SL . . . continue to water and grow in the Garden!!!

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 18
Total80sKid
Valued Contributor

Re: DCU Approval with DP's

Congrats on your DCU approval!

Message 5 of 18
Demented1
Established Contributor

Re: DCU Approval with DP's

Nicely done @datawonk on your DCU approval…and, thanks for the DP’s!





Message 6 of 18
Morehouse3000
Established Contributor

Re: DCU Approval with DP's


@datawonk wrote:

Hello everyone! 

 

Sharing this in case it helps someone else in the community. I applied for membership and the 6.17% savings account with DCU on the 7th. A few days later I spoke to a CSR about a minor issue I was having with logging into their website to access my account. I mentioned that I'm interested in their credit products  and she had me call their loan department at 1-800-328-8797 extension 9150. The person I spoke with at that number approved me for the Platinum card with a SL of $10,000 and a rate of 9.50% - my highest starting line and lowest cc interest rate ever. Smiley Happy I was really surprised because I don't think I have a very strong profile, but I'm happy that DCU doesn't agree with me!

 

My DP’s at the time of application:

EQ5  - 717

Chex - 584

Util - 17%

DTI  - 14%

Inquiries - 6/6, 8/12, 16/24

New Accounts - 16/24

Student Loans - $137K 

No baddies

AAoA 5 years 2 months

 

I should mention that DCU didn't provide me with my Chex score - I ordered it directly from Chexsystems after reading here that the Chex score has been an obstacle for others with DCU in the past. Chexsystems didn't charge me for the score though the score is only delivered via mail, no online delivery option. From what I've been able to ascertain, anything above 580 is a "safe" Chex score even though the metric goes up to 899. 

 

I'm off to the garden for at least the next 15 months, but wishing you all success.


Congrats!!!!!!!!!!!!!    If you have a car loan look at them for a Refi.  They have by far the best rates that I have found.  I got a refi from Navy at about 6% went to DCU and got that cut down to 2.7% and my score was around 680!   

Message 7 of 18
M_Smart007
Epic Contributor

Re: DCU Approval with DP's

Congratulations on your approval!

Message 8 of 18
gdale6
Moderator

Re: DCU Approval with DP's

Sweet, grats on the very nice SL Smiley Happy

Message 9 of 18
datawonk
Established Member

Re: DCU Approval with DP's

Thank you so much!





Message 10 of 18
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