DCU Counter Offer - Should I Take it? Update: Approved

[WhiteCollar]

Thank you @AverageJoesCredit, point well made!! 

[WhiteCollar]

Thank you, I took your advice.

[ocheosa]

Congratulations! You've obvioulsy put in the work to bring in a 10k limit. I would also accept the DCU card as it will hopefully grow with you. I would call up Credit One and sing Carol Burnett's I'm So Glad We Had This Time Together , immediately!

[cashorcharge]

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@ocheosa wrote:

Congratulations! You've obvioulsy put in the work to bring in a 10k limit. I would also accept the DCU card as it will hopefully grow with you. I would call up Credit One and sing Carol Burnett's I'm So Glad We Had This Time Together , immediately!

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I couldn't resist...

[WhiteCollar]

Officially accepetd the Visa counter offer with $2k SL with 15.25% APR. (Hopefully I can get it lowered as my score improves) Since I could use the same HP for addtional products, I applied for auto re-fi as well. Received 4.74% for 24 months. I could have gotten 3.74% but I would have had to move all of my (income) deposits over DCU and I don't want to do that. My payment would only have been about $2.00 lower and that was not worth the effort...lol. My old rate was 19.80%...ouch I know, my credit was crap back then. So far I'm please with DCU but thinking about seeing if NFCU can offer a better rate. 

[M_Smart007]

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@WhiteCollar wrote:

Officially accepetd the Visa counter offer with $2k SL with 15.25% APR. (Hopefully I can get it lowered as my score improves) Since I could use the same HP for addtional products, I applied for auto re-fi as well. Received 4.74% for 24 months. I could have gotten 3.74% but I would have had to move all of my (income) deposits over DCU and I don't want to do that. My payment would only have been about $2.00 lower and that was not worth the effort...lol. My old rate was 19.80%...ouch I know, my credit was crap back then. So far I'm please with DCU but thinking about seeing if NFCU can offer a better rate. 

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Congratulations on your DCU Visa Approval..

[AllZero]

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@WhiteCollar wrote:

Officially accepetd the Visa counter offer with $2k SL with 15.25% APR. (Hopefully I can get it lowered as my score improves) Since I could use the same HP for addtional products, I applied for auto re-fi as well. Received 4.74% for 24 months. I could have gotten 3.74% but I would have had to move all of my (income) deposits over DCU and I don't want to do that. My payment would only have been about $2.00 lower and that was not worth the effort...lol. My old rate was 19.80%...ouch I know, my credit was crap back then. So far I'm please with DCU but thinking about seeing if NFCU can offer a better rate. 

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Congratulations on your approval!

[gdale6]

Grats on your successul app

[ocheosa]

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@WhiteCollar wrote:

Officially accepetd the Visa counter offer with $2k SL with 15.25% APR. (Hopefully I can get it lowered as my score improves) Since I could use the same HP for addtional products, I applied for auto re-fi as well. Received 4.74% for 24 months. I could have gotten 3.74% but I would have had to move all of my (income) deposits over DCU and I don't want to do that. My payment would only have been about $2.00 lower and that was not worth the effort...lol. My old rate was 19.80%...ouch I know, my credit was crap back then. So far I'm please with DCU but thinking about seeing if NFCU can offer a better rate. 

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Congratulations ! Good decision, the refi alone was a huge savings!

[Anonymous]

@WhiteCollar 

Congrats again on accepting the offer and the great refi rate! Let us know if you get a better rate at Navy but I doubt they will beat DCU. Very happy for your success!! Have a great weekend!