Hey guys!
So just recently realized that I have a preapproval for a credit line increase on my DCU CC for up to 10k. Is this a HP or SP? Anyone had any experience with this?
Thank you for your time! Look forward to your response! 
Exact wording:
You can choose to stop receiving "prescreened" offers of credit such as this from DCU and other companies by calling toll-free, 888.567.8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreen offers.
Congratulations, you're approved for an limit increase on your DCU Visa Credit Card up to $10,000.00*
Rated 4.3 out of 5 stars by DCU members
Read reviews
This card offers you....
Low Everyday Rates – Rates well below the national average. Transfer your balances and start Saving. Current rates and Important Information.
No Annual Fee – Save up to $45 over other credit cards.
No Cash Advance or Balance Transfer Fees – No higher rates on these transactions either.
Many other great benefits - Learn More.
To accept your approved loan, click 'Accept & Verify' below
You can choose to stop receiving "prescreened" offers of credit such as this from DCU and other companies by calling toll-free, 888.567.8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreen offers.
Congratulations, you're approved for an limit increase on your DCU Visa Credit Card up to $10,000.00*
Rated 4.3 out of 5 stars by DCU members
Read reviews
This card offers you....
Low Everyday Rates – Rates well below the national average. Transfer your balances and start Saving. Current rates and Important Information.
No Annual Fee – Save up to $45 over other credit cards.
No Cash Advance or Balance Transfer Fees – No higher rates on these transactions either.
Many other great benefits - Learn More.
To accept your approved loan, click 'Accept & Verify' below
@KennyRS wrote:
Anyone? LOL This is why I hate creating threads. I'm boring!
I would call in to be sure
Yeah, mongstradamus, that's why I haven't clicked it. DCU was HP happy previously when I got my car loan from them.
Even calling front line customer service isn't the answer most don't know the difference.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
I'm most likely going to let it sit until a time frame where I'm ok with receiving a HP if it warrants it. I was hoping someone could speak from experience though to guide me.
When I received one about 6 mos ago, it was not a hp. I would call tomorrow to verify their policy has not changed.
@09Lexie wrote:When I received one about 6 mos ago, it was not a hp. I would call tomorrow to verify their policy has not changed.
K. I might, but I work tomorrow and Thursday so it probably won't happen this week. The fine print made me a little nervous, but I also think if you're looking for something to worry about 9/10, you'll find it.
Thanks Lexie, for your response!