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DCU Credit Card - Docs Requested

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user785462084
New Visitor

DCU Credit Card - Docs Requested

Applied for a DCU credit card last week - first time I've ever been asked for income docs on a credit card before..

 

2.5 years self employed and have an extension for last years taxes that will be filed soon - can't do anything until those are filed as they fully require last 2 years of tax returns for a CC app.

 

Has anyone else had this issue? Seems like a lot of trouble just for a CC.

4 REPLIES 4
ptatohed
Senior Contributor

Re: DCU Credit Card - Docs Requested

Call and explain.  Tell them what you do have (2 year's ago return, bank statements, etc.).  See if those will suffice.  

 

Or forget it, if it's not worth it to you.  

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Message 2 of 5
coldfusion
Credit Mentor

Re: DCU Credit Card - Docs Requested


@ptatohed wrote:

Call and explain.  Tell them what you do have (2 year's ago return, bank statements, etc.).  See if those will suffice.  

 

Or forget it, if it's not worth it to you.  


^^^ this

 

Whenever you apply for unsecured credit from a credit union expect to be asked to provide POI, doubly so if you're self-employed.  This isn't just a DCU thing. 

 

They can choose to be flexible with what exactly it is they will accept vs. what they want, so it's OK to try to negotiate on what they are willing to accept. 

(7/2025)
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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 3 of 5
user785462084
New Visitor

Re: DCU Credit Card - Docs Requested

Yep I tried that - offered to provide any amount of recent bank statements along with 23 tax return, YTD P&L, etc to no avail. 

Message 4 of 5
smcj
New Contributor

Re: DCU Credit Card - Docs Requested

DCU has been working its way to bad and then worse in terms of being onerous and providing accurate information (via customer service) for years -- some of it a clear sign of being ruled by automation despite a human face.  And they are merging with First Tech CU right now (which I suspect is more of an acquisition by First Tech than a merger of equals).

Not worth your trouble.  You can find parallel or better CC terms and benefits elsewhere.  Hate to say it but I decided not to bother applying for the CC product, despite what (other than the above) used to be a solid and satisfied history with them.

Message 5 of 5
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