I would say DCU can be conservative and this is a great SL and a great limit in general for them..
Only thing id do different is let the Merrick double in the sock drawer.... then cancel it...
Have you tried for a CLI on the Cap One? ... Just like the idea of both the merrick and Capone leaving with a CLI reporting on the report...(soft pulls only, of course)... Ditch them after the increases if there are any... (as long as theres no fee/af due)
Think a congrats is in order....
DCU is big around where I live... Then again. they originally were the DEC Credit Union.... Yes their history is with the computer company.... (Digital Equipment Corp) which is no longer...
Yes I have tried for a CLI with Cap One. Last month was my 6th since my last CLI.. denied due to payments too low (always PIF, gets $200-300 per month), and some other bogus reason. But my new Spark card had a $10k sl. Go figure
Congrats on your approval!!
They do use Fico4 scores, so may be a little different. That is a good SL from DCU
DCU uses EQUIFAX FICO 5 Mortgage scores