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DCU Visa Platinum Approval 10K!

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Anonymous
Not applicable

DCU Visa Platinum Approval 10K!

Opened an account with them in January when I was on a Credit Union tear Smiley LOL.

 

Applied for this card at the same time and was denied. Applied again a few weeks later since I had a fake preapproval in my dashboard and was denied again, they used the same HP. They have a savings account that is 6.17% up to $1,000, so since I've been trying to save a lot I figured why not throw a grand in there.

 

Waited about a month and applied again on Saturday and I got a message saying a representative will contact you shortly. Still have not heard from said representative, but I just logged in and the account is showing at a $10,000 limit, 10.75% APR which is fine by me. I love these types of cards.

 

They pulled Equifax on this new app, which was at 697 FICO confirmed through various accounts. INQ were at 37 at the time of the pull and util around 7% on now over 100K in credit. I've gone from 8K to 114K in about a year lol. I'm actually bored with this now and will let all this stuff age.

 

Let me know if I can provide any more information to help.

Message 1 of 12
11 REPLIES 11
Five6Two
Frequent Contributor

Re: DCU Visa Platinum Approval 10K!

Congrats on finally get the card you wanted!

 

I was denied last month and the main reason was "escalating debt" which was weird because I had actually paid off some cards purposely the months prior to help bring my scores up - in any case, I had way fewer INQs and only 1 new account in last 6 months (3 in last 12). Happy for you, maybe they can show me some love down the line! 

Siggy under construction Smiley Happy
Message 2 of 12
AverageJoesCredit
Legendary Contributor

Re: DCU Visa Platinum Approval 10K!

Very nice sl and aprSmiley Happy
Message 3 of 12
Anonymous
Not applicable

Re: DCU Visa Platinum Approval 10K!

Thanks!

 

It's a crap shoot; I see Citi has shown you some love with the two cards almost 20K. They've never approved me for anything except their secured lol. I tried for a year and no dice.

 


@Five6Two wrote:

Congrats on finally get the card you wanted!

 

I was denied last month and the main reason was "escalating debt" which was weird because I had actually paid off some cards purposely the months prior to help bring my scores up - in any case, I had way fewer INQs and only 1 new account in last 6 months (3 in last 12). Happy for you, maybe they can show me some love down the line! 




Message 4 of 12
FicoGuy2019
Established Contributor

Re: DCU Visa Platinum Approval 10K!

Congrats.  What version of EQ did they pull?  

Message 5 of 12
Anonymous
Not applicable

Re: DCU Visa Platinum Approval 10K!


@FicoGuy2019 wrote:

Congrats.  What version of EQ did they pull?  


Thanks! I see it would def make a difference for you lol. Not sure yet, haven't gotten the paperwork in the mail yet, will advise!

Message 6 of 12
Anonymous
Not applicable

Re: DCU Visa Platinum Approval 10K!

They pull EQ5 for all their decision so I am impressed with the SL honestly, they gave me $1K because of my credit seeking lol. 

 

Congrats!

Message 7 of 12
Anonymous
Not applicable

Re: DCU Visa Platinum Approval 10K!

Congrats on your approval and very nice Sl !!!!

 

 

Message 8 of 12
Anonymous
Not applicable

Re: DCU Visa Platinum Approval 10K!

Pretty sure my savings account helped push them along in the end and keeping my account open for three months (lol). Were you a member beforehand or applied at membership?

 


@Anonymous wrote:

They pull EQ5 for all their decision so I am impressed with the SL honestly, they gave me $1K because of my credit seeking lol. 

 

Congrats!


 

Message 9 of 12
pinkandgrey
Senior Contributor

Re: DCU Visa Platinum Approval 10K!

Wow a great SL and even better APR. Congrats!!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 10 of 12
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