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DCU credit card limits?

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JenniferinFL
Frequent Contributor

DCU credit card limits?

So, during my app spree I foolishly app'd for DCU. I'm not sure what I was thinking, my credit is improved, but probably not really DCU worthy. Anyhow, they emailed me that there was a decision made so I went ahead and checked online. They need my most recent paystub, which may throw a wrench in it as I listed my income from both employers but only had space to list one on the app. It is showing approved though only a credit limit of $200. Honestly, that's fine with me, I really only wanted my foot in the door and that shiny free FICO on a regular basis. lol

 

Anyway, has anyone else here seen a $200 limit from DCU? I have a feeling that it's a record low and that I was just a notch from a decline. Heck, may still turn into a decline when they check out my paystubs and notice the second employer.

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 1 of 6
5 REPLIES 5
JenniferinFL
Frequent Contributor

Re: DCU credit card limits?

SOOOOOO, funny followup to this, DCU just called me to let me know that I was approved for $2000 and that the $200 was a typo..  lol  So, that's much better, $200 felt pretty lame..

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 2 of 6
ChargeItPlease
Regular Contributor

Re: DCU credit card limits?

LOL. That extra zero makes a difference. Congrats.

I was thrilled to see my $1500 DCU limit, as it's my highest.

Starting Score: 400s (2011) Current: EQ 655 (01-2014) Goal: 700 Last app: 01-01-14. No apps 'til 12-2014!
Message 3 of 6
wacdenney
Valued Contributor

Re: DCU credit card limits?

We seem to be following a similar path here OP.  I just got approved for the DCU Visa with a 4k starting limit.  Mybe I'll have the same luck you did with First Bankcard.

 

Message 4 of 6
Kenny
Moderator Emeritus

Re: DCU credit card limits?


@JenniferinFL wrote:

SOOOOOO, funny followup to this, DCU just called me to let me know that I was approved for $2000 and that the $200 was a typo..  lol  So, that's much better, $200 felt pretty lame..


They did the same crap with me with a 300 then told me 3k -- Of course, it's grown now to 10k with a preapproval CLI so it can and will grow. Smiley Happy

Message 5 of 6
RushXTC
Established Contributor

Re: DCU credit card limits?


@wacdenney wrote:

We seem to be following a similar path here OP.  I just got approved for the DCU Visa with a 4k starting limit.  Mybe I'll have the same luck you did with First Bankcard.

 


Maybe they missed a zero as well? LOL.

Message 6 of 6
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