I applied for the DCU ( Digital federal Credit Union) platinum card last Friday. I joined DCU last August and was pre approved for the platinum card but decided to wait and gave my other account age a little more. So I finally pulled the trigger around 2 AM haha, and it just said approved but didn't give me a limit or APR. I later called during the day and the rep just verified some information( address, phone number...) then he said I didn't have to submit any documents( was expecting to have to submit POI).
After putting me on a brief hold, he said I was approved for $5000 @ 9.5% APR, wow just wow. This is literally a better APR than what I have on my NFCU platinum. GUESS WHAT GUYS??? NO HARD PULL. DCU really doesn't hard pull reports on pre approved offers..
He almost got me applying for a card loan lol he said I was pre approved for a 2.5% car loan.
Data points: EQ 710, Age of Accounts 2 years, 4 inquiries on report ( 1/12), 8/24
Congratulations on your DCU approval!
Thats a nice approval and a bonus on the SP!!! Congrats!