DCU Free Checking - no hard credit pull & free EQ mortgage FICO?

[yourficouser]

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@Anonymous wrote:

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@yourficouser wrote:

DW has AZEO.... It is much easier to have her at AZEO as we don't really use her cards organically, so we just charge a nominal amount to one of them monthly and call it a day.

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I hope that you use each of her cards once every six months, as a strategy to prevent them from being closed due to inactivity.

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Thanks. Unfortunately, she only has two current cards open - a store card and a regular credit card.

We are trying to use the store card once a year to keep if from being closed due to inactivity. It is not a store that she shops at very often these days, unfortunately (clothing store).

FWIW, DW was out of the country for 3 years and didn't use any of her cards and they all stayed open. But we are certainly not expecting that to happen again, just thought I'd share the datapoint.

[Anonymous]

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@yourficouser wrote:

FWIW, DW was out of the country for 3 years and didn't use any of her cards and they all stayed open. But we are certainly not expecting that to happen again, just thought I'd share the datapoint.

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Could you post that here?

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards-closed-due-to-inactivity/td-p/53...

[yourficouser]

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@Anonymous wrote:

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@yourficouser wrote:

FWIW, DW was out of the country for 3 years and didn't use any of her cards and they all stayed open. But we are certainly not expecting that to happen again, just thought I'd share the datapoint.

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Could you post that here?

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards-closed-due-to-inactivity/td-p/5394950

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Done

[yourficouser]

BTW, anyone willing to refer me to DCU?

If I am reading this correctly:

https://www.dcu.org/whats-new/memberreferral.html

it seems there is still a referral program. 

Easiest way to meet seems to be to join and perform 5 P2P transfers (which I am assuming should be able to be done from savings, although I realize the monthly limit for savings withdrawals is only 6...). You get $10 and I would get $20.

Thanks so much!

[DaveInAZ]

Sure, I'll give you a referral, PM sent.

[yourficouser]

FWIW, application & supplemental documents submitted.

Equifax's TrustedID lists a soft inquiry from ND-DIGITAL FEDERAL CRED.

[yourficouser]

Thank you all for your help. I just received a message that my membership is approved. It appears that I need a PIN to establish an online banking account (per this video https://www.dcu.org/videos/online-banking-login-video.html ). However, as I only created a Savings account, there was no PIN number selected or provided in the application. Is this something that I will receive by snail mail? If not, is there something specific that I should use as my initial password for Online Banking?

Thank you so much!

[DaveInAZ]

Do you mean a PIN for a debit card? They don't give debit cards for saving accounts.

[yourficouser]

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@DaveInAZ wrote:
Do you mean a PIN for a debit card? They don't give debit cards for saving accounts.

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What I mean is that I have a member number but no password to log into online banking. Is there something standard that I should use as my login password for online banking? Or will I receive my initial password via snail mail?

I'm trying to set up online banking but don't have anything to use as my first login password.

Thanks so much!

[DaveInAZ]

Click "I can't access my account" and they'll text you a temp password