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DCU Approval

ambivalent
Established Contributor

DCU Approval

So, I had to get a new car.  I love DCU and decided to apply with them for my new loan.  While I was on the phone with the CSR (who was SUPER nice!!!), he asked me if there was anything else he could do for me.  I said no, and he goes "OH!  I see you have an offer on your account for a credit card, would you like me to transfer you over to the lending department to accept it?  It looks like the rate is 10.5%" Now mind you, I always check when I log in to see if I have any offers and I never see anything!  10.5%!  Now, I know...I KNOWWWW I wasn't supposed to apply for any other cards.  I dont NEED anymore, but I could not turn that down!  He transferred me over and I ended up with 5k at 10.5%.  

 

I am now *officially* over 100k in credit. NO MORE APPS!!

 

The score they reported is 704 EQ.  Hope this helps someone. 

Starting Score, multiple cards maxed: July 2021 - EQ: 622 EX: 625 TU: 623
Sept 2021 - EQ: 682 EX: 665 TU: 677 ....new collection filed Aug 2021 (cries)

Oct 2021- EQ: 685 EX: 671 TU: 683

Oct 2021 - Current Util: NFCU cashRewards (70%) / NFCU LOC (81%)

Barclay / Disco IT/ Nordstrom / BBVA / AMEX Rose Gold NPSL / USAA Limitless / DCU / Lowe's / Cap1 QS/ NFCU goRewards

Goal Score: December 2021: TBD....
Message 1 of 6
5 REPLIES 5
AverageJoesCredit
Mega Contributor

Re: DCU Approval

SweetSmiley Happy

What happened with the car loan? Smiley Wink
Message 2 of 6
ambivalent
Established Contributor

Re: DCU Approval

2.24%!  2014 X3.  I'm stoked!  I can't remember the last time I was this excited.  Technology sure has changed since 2008. LOL

Starting Score, multiple cards maxed: July 2021 - EQ: 622 EX: 625 TU: 623
Sept 2021 - EQ: 682 EX: 665 TU: 677 ....new collection filed Aug 2021 (cries)

Oct 2021- EQ: 685 EX: 671 TU: 683

Oct 2021 - Current Util: NFCU cashRewards (70%) / NFCU LOC (81%)

Barclay / Disco IT/ Nordstrom / BBVA / AMEX Rose Gold NPSL / USAA Limitless / DCU / Lowe's / Cap1 QS/ NFCU goRewards

Goal Score: December 2021: TBD....
Message 3 of 6
AverageJoesCredit
Mega Contributor

Re: DCU Approval

Very nice indeedSmiley Happy
Message 4 of 6
peghede
Valued Contributor

Re: DCU Approval

Congrats on cc m8,,I can't congratulate you on car loan since u got X3,next time buy American I will congratulate you.

Message 5 of 6
fltireguy
Valued Contributor

Re: DCU Approval

Peghede- ummm that is American. Built in S.Carolina!!!
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 6 of 6
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