Data point: No hard pull when accepting DCU platinum visa preapproval.

[nmac]

I’ve been a DCU member since August 2014 when I joined to get an auto loan through them. Last month I finally got around to accepting on of their preapprovals for the platinum visa card. I was approved (but not instantly) for 10K. It been a month and I’ve yet to see a hard pull on any of my reports. I don’t know if this is normal for DCU but I thought I would share because I probably would have got their credit card earlier if I would have known it wouldn’t be a hard pull. Is this normal or did they mess up?

[Revelate]

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@nmac wrote:

I’ve been a DCU member since August 2014 when I joined to get an auto loan through them. Last month I finally got around to accepting on of their preapprovals for the platinum visa card. I was approved (but not instantly) for 10K. It been a month and I’ve yet to see a hard pull on any of my reports. I don’t know if this is normal for DCU but I thought I would share because I probably would have got their credit card earlier if I would have known it wouldn’t be a hard pull. Is this normal or did they mess up?

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AFAIK DCU has been known to pull for everything.  Take the money and run though; however, I'm kind of sad never seen a pre-approval from them hehe with 15 years membership.

Was thinking of opening one and closing my secured card once mortgage sorted or maybe a year after that.  Have to see.

[Revelate]

Actually a question, was the Venture already reporting when you picked up the DCU card?

[CreditUnionFan]

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@nmac wrote:

I’ve been a DCU member since August 2014 when I joined to get an auto loan through them. Last month I finally got around to accepting on of their preapprovals for the platinum visa card. I was approved (but not instantly) for 10K. It been a month and I’ve yet to see a hard pull on any of my reports. I don’t know if this is normal for DCU but I thought I would share because I probably would have got their credit card earlier if I would have known it wouldn’t be a hard pull. Is this normal or did they mess up?

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Congrats on the preapproval for the DCU Platinum card! It is surprising that sometimes they will HP for nearly anthing; I was told by a CSR that they would perform a HP for an upgrade from a Platium into the Platinum Rewards card, so I didn't accept that upgrade offer. My partner received a preapproval for a car loan after paying off the previous car, and there was no HP. Go figure.

[nmac]

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@Revelate wrote:

Actually a question, was the Venture already reporting when you picked up the DCU card?

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It was reporting but it may have been reporting as a 10K limit as I only recently got it bumped to 13K. 

[Kenny]

I've never taken a HP with any of my DCU preapprovals.. just adding that data point on, as well. Even for auto loans, CLIs, and other things.

[nmac]

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@CreditUnionFan wrote:

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@nmac wrote:

I’ve been a DCU member since August 2014 when I joined to get an auto loan through them. Last month I finally got around to accepting on of their preapprovals for the platinum visa card. I was approved (but not instantly) for 10K. It been a month and I’ve yet to see a hard pull on any of my reports. I don’t know if this is normal for DCU but I thought I would share because I probably would have got their credit card earlier if I would have known it wouldn’t be a hard pull. Is this normal or did they mess up?

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Congrats on the preapproval for the DCU Platinum card! It is surprising that sometimes they will HP for nearly anthing; I was told by a CSR that they would perform a HP for an upgrade from a Platium into the Platinum Rewards card, so I didn't accept that upgrade offer. My partner received a preapproval for a car loan after paying off the previous car, and there was no HP. Go figure.

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Good to know. My current theory (which could be very wrong) is that if you have a stale preapproval in the DCU account manager there is a chance of no hard pull. 

[Kenny]

Even a fresh preapproval = no HP for me personally...

[nmac]

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@Kenny wrote:
I've never taken a HP with any of my DCU preapprovals.. just adding that data point on, as well. Even for auto loans, CLIs, and other things.

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Thanks for contributing. Would you mind elaborating how you got CLI without a hard pull? Was this some sort of "you are preapproved for a X$ increase" or did you initiate it?

[Kenny]

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@nmac wrote:

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@Kenny wrote:
I've never taken a HP with any of my DCU pre-approvals.. just adding that data point on, as well. Even for auto loans, CLIs, and other things.

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Thanks for contributing. Would you mind elaborating how you got CLI without a hard pull? Was this some sort of "you are pre-approved for a X$ increase" or did you initiate it?

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Yes, it was a pre-approved CLI -- I called and said how much is it for? They said up to 10k... did something and said it was processing. I said hmmm ok. I went online after I hung up and clicked through the pre-approval online and boom the card had 10k.. no HP whatsoever.