I would say mid 600's ... Although i do not have their card, i was preapproved for their credit card twice, for $5000 when my score was $660+ and $7500 when my score was 695 .. Didnt get approved for membership ...i will never apply with them again as i wasted 4 inquiries already ...
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
If you aren't a member, I would strongly urge you to app for membership first. I'm not sure what the lowest score is but I would guess 670ish.
Thanks Jutz! I wasn't sure on the data points
FRom what I know in talking to the branch manager.
Mid 600's gets you a card with low limits and high APR (typical for any other cards also)
700 gets you a good CL (based on income also)
720+ get you the best APR they offer and again CL depending on income, DTI, util %. YEs they do look at your other cards and how much you're using. They don't like to see usage on many cards. They mentioned it to me that I had many cards with balances. Granted I charge a starbucks on my cards to keep them active (which reminds me that I have to use my Apple VISA tomorrow )
They generally don't give high CL for starters.
@CS800
Sounds about right. I missed the best rate by 5 points. Still, the $10k CL put a smile on my face.
Sounds about right. I missed the best rate by 5 points. Still, the $10k CL put a smile on my face.
@09Lexie wrote:
@CS800
Sounds about right. I missed the best rate by 5 points. Still, the $10k CL put a smile on my face.
Yes, DCU is a good CU. The 10K is a great CL from them 
I wanted to get the full story about their credit procedures so I happen to know one of the managers well. He has been there for over 7 years and prior to that he was in the 'consumer loan' dept. Good info.
Plus the free EQ FICO, can't beat that. They offered me a better rate than NFCU on my car loans which was surprising
Agreed...they offered me 1.99%. Everything went super easy!