Sup guise

[Anonymous]

NICE RIDE BUDDY! WHAT STATE DO YOU LIVE IN? AND WHAT WAS YOUR SCORES WHEN APPROVED? JUST CURIOUS....MIGHT WANNA DO SOME REFINANCING MYSELF ONE DAY!

[chnceit]

Congrats!

[Shogun]

Very nice.  

[prabs99]

Congrats. How many miles does it have?

[zyzzus]

My last FICO from DCU was 714 from last month. I didn't ask the loan officer. Surprisingly it was communicated to me beforehand that a FICO score of 675 elicits their best rate. I am in Illinois.

I spelled guys wrong on purpose lol

Car has 86,000 miles.

I am trying to decide if I should bite the bullet on the CC pre-approval of $12,000.

Thoughts on the non-rewards card?

[09Lexie]

Congrats! I luv DCU too! Interesting they told you 675 is the best rate...I had been told 720. I have the non-rewards Plat @9.5 cause their rewards cc is meh

[zyzzus]

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@09Lexie wrote:
@Congrats! I luv DCU too! Interesting they told you 675 is the best rate...I had been told 720. I have the non-rewards Plat @9.5 cause their rewards cc is meh

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Just to reclarify Lexie the 675 was the FICO score needed for the auto loan to obtain 1.99

Question for you with the Plat card (I agree rewards are meh) I see there is no fee for cash adv/balance transfer.  Do you know for cash adv if the interest begins acruing immediately (i would assume so but I can't see anything saying so).

[09Lexie]

Ok. Thanks for the clarification

I got this from their website:


A cash advance is a direct personal loan from your credit card. It works similarly to a home equity line of credit. The interest starts being charged as soon at the money leaves the account.

[zyzzus]

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@09Lexie wrote:
Ok. Thanks for the clarification

I got this from their website:


A cash advance is a direct personal loan from your credit card. It works similarly to a home equity line of credit. The interest starts being charged as soon at the money leaves the account.

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Thanks I am aparently not good at searching

According to this thread http://ficoforums.myfico.com/t5/Credit-Cards/DCU-Platinum-Visa-Rates-vs-Scores/td-p/2053315

I would be approved at 9.5%.  With a limit of 12,000 that would leave me a very large cusion if I ever were to need it.  I currently do not have any low rate cards.

[09Lexie]

That's correct. You and I have (had ) the same FICO.