Re: the duck card question

emptypockets · ‎10-18-2013

OCCU does not have residency requirements for the Duck or Beaver cards.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797

B335is · ‎10-18-2013

Not necessarily. They dont seem to have residency restrictions, but I didnt get into all those details with their analyst. Its another potential financial option opened in the future.

FinStar · ‎10-18-2013

@slap_happy wrote:
@B335is wrote:
I did mostly to expand my financial relationships. They may offer more competitive financing (car, house) down the road as well.

Also, if one bank shuts down my credit for whatever reason I feel others will most likely follow, but CU not necessarily
ok, another question, I live in FL, you mention car, house ect. obviously I would not be a member of OCCU since they are in oregon, wouldnt that pose a problem?

You would need to contact them to determine what products would be offered outside of their general footprint area. Not all CUs have the ability to underwrite specific products beyond membership or their specific charters.

Anonymous · ‎11-11-2013

oh well in my app-0rama i got the 7-10 letter for applying for the DUCK.. no biggie i scored many other great cards already..i guess my run is over.

armbenderc · ‎11-11-2013

@Anonymous wrote:
oh well in my app-0rama i got the 7-10 letter for applying for the DUCK.. no biggie i scored many other great cards already..i guess my run is over.

Did you call them?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

Anonymous · ‎11-11-2013

nope.. there closed today for holiday

Credit-hoarder · ‎11-11-2013

@Jbb2788: I felt the same way you do when I got the $1500 CL. But in all fairness at the time I app'ed my 2nd highest CL reporting was Discover IT-$1400 so they probably were "matching" that limit b/c my credit is not stellar. But at least it is 0% APR for 12 months. I'll see what the first CLI looks like before I send the card packing after the 12 mos. is over.