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DCU platinum approval

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Super Contributor

DCU platinum approval

I was just approved by Digital Credit Union for a platinum card with a starting limit of $10k. What I find noteworthy about it is that I was turned down by them a year or two ago because I had too much credit. At this point I have a lot more credit, and my scores are lower than they were the first time around. And it was an instant approval, which is rare for me. So I'm wondering if DCU's underwriting standards are a little less brittle at the moment.


Total revolving limits 730000 (603500 reporting) FICO 8 scores: EQ 722 TU 764 EX 734
Message 1 of 17
16 REPLIES 16
Established Contributor

Re: DCU platinum approval


@SouthJamaica wrote:

I was just approved by Digital Credit Union for a platinum card with a starting limit of $10k. What I find noteworthy about it is that I was turned down by them a year or two ago because I had too much credit. At this point I have a lot more credit, and my scores are lower than they were the first time around. And it was an instant approval, which is rare for me. So I'm wondering if DCU's underwriting standards are a little less brittle at the moment.


Congrats on the approval!!Smiley Very Happy




Message 2 of 17
Community Leader
Senior Contributor

Re: DCU platinum approval

Congrats Smiley Happy

 

They don't seem  to like me 😕

EXP 760 TU 781 EQ 733
Message 3 of 17
Valued Contributor

Re: DCU platinum approval

Congrats m8,can u share data,fico ,who they pull?poi? Any other accounts with them,Thx
Message 4 of 17
Community Leader
Mega Contributor

Re: DCU platinum approval

Congrats, SJ

EX 759 EQ 774 TU 753


Message 5 of 17
Frequent Contributor

Re: DCU platinum approval

Congrats on the nice limit!
Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:


Wish List:



Message 6 of 17
Valued Contributor

Re: DCU platinum approval


@SouthJamaica wrote:

I was just approved by Digital Credit Union for a platinum card with a starting limit of $10k. What I find noteworthy about it is that I was turned down by them a year or two ago because I had too much credit. At this point I have a lot more credit, and my scores are lower than they were the first time around. And it was an instant approval, which is rare for me. So I'm wondering if DCU's underwriting standards are a little less brittle at the moment.


Excellent! Congratulations on your approval and SL!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(18k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 693(7) EQ 687(9)TU 708(10)
AAOA 4yrs TCL=332,600
Message 7 of 17
Senior Contributor

Re: DCU platinum approval

Congrats on approval and nice SL

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 17
Community Leader
Super Contributor

Re: DCU platinum approval

NAH SJ, I'm tight with Superman and he reigns supreme so I put in a good word for ya. Welcome to the Justice LeagueSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 17
Super Contributor

Re: DCU platinum approval


@peghede wrote:
Congrats m8,can u share data,fico ,who they pull?poi? Any other accounts with them,Thx

DCU pulls EQ FICO 5.

My EQ FICO 5 was around 710.

No proof of income requested.

I had checking & savings accounts, which I'd just opened.

I was not asked to request any specific amount.


Total revolving limits 730000 (603500 reporting) FICO 8 scores: EQ 722 TU 764 EX 734
Message 10 of 17
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