DCU

[razzy116]

I have a savings account with DCU, does it help that having a savings account to get a credit card down the road? i am not appying, i will repeat i am not appying. Thank you and be safe.

[AllZero]

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@razzy116 wrote:

I have a savings account with DCU, does it help that having a savings account to get a credit card down the road? i am not appying, i will repeat i am not appying. Thank you and be safe.

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Possibly, if your profile fits their criteria for SP offers. If not, it'll be a EQ5 HP if you apply.

Enjoy your 6.17% APY on savings and free monthly EQ5 score.

[Slabenstein]

Since they're a CU, you wouldn't be able to apply for any credit products w/o membership, so I guess it helps in that sense.

[razzy116]

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@AllZero wrote:

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@razzy116 wrote:

I have a savings account with DCU, does it help that having a savings account to get a credit card down the road? i am not appying, i will repeat i am not appying. Thank you and be safe.

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Possibly, if your profile fits their criteria for SP offers. If not, it'll be a EQ5 HP if you apply.

Enjoy your 6.17% APY on savings and free monthly EQ5 score.

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Where on the website would i see the offers? Thank you and be safe.

[AllZero]

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@razzy116 wrote:

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@AllZero wrote:

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@razzy116 wrote:

I have a savings account with DCU, does it help that having a savings account to get a credit card down the road? i am not appying, i will repeat i am not appying. Thank you and be safe.

---

Possibly, if your profile fits their criteria for SP offers. If not, it'll be a EQ5 HP if you apply.

Enjoy your 6.17% APY on savings and free monthly EQ5 score.

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Where on the website would i see the offers? Thank you and be safe.

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I'm not on their website at the moment. I think it's the loans tab or one of tabs? I'll verify once I'm in front of a computer.

[thornback]

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@AllZero wrote:

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Where on the website would i see the offers? Thank you and be safe.

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I'm not on their website at the moment. I think it's the loans tab or one of tabs? I'll verify once I'm in front of a computer.

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The Loan Suite tab. 

Also shows on the right side of the main screen.  I think the "apply now" button is supposed to turn orange or red or burnt-orange or tang or something  when you have a pre-approved offer and it'll say "accept offer" or something similar... 

[AllZero]

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@thornback wrote:

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@AllZero wrote:

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Where on the website would i see the offers? Thank you and be safe.

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I'm not on their website at the moment. I think it's the loans tab or one of tabs? I'll verify once I'm in front of a computer.

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The Loan Suite tab. 

Also shows on the right side of the main screen.  I think the "apply now" button is supposed to turn orange or red or burnt-orange or tang or something  when you have a pre-approved offer and it'll say "accept offer" or something similar... 

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Yes, that's it! You are correct.

@razzy116 

Apply now = HP. I do not recommend it.

Accept offer = SP. It's some sort of orange button.

[coldfusion]

Picture being worth 1000 words applies here.  

Green button means a cold app and a HP.

Orange button with "Accept Offer" is a preapproval and is a SP.

[AverageJoesCredit]

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@coldfusion wrote:

Picture being worth 1000 words applies here.  

Green button means a cold app and a HP.

Orange button with "Accept Offer" is a preapproval and is a SP.

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Return of the Mack😆

[DaveInAZ]

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@Slabenstein wrote:

Since they're a CU, you wouldn't be able to apply for any credit products w/o membership, so I guess it helps in that sense.

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Actually they do let you apply for a credit product w/o membership, you just need to join to finalize it. I applied for  car loan refi in 2017 and on approval I became a member.