Thanks for the feedback everyone.
I called this morning and they had me take a picture of my 2019 cost of living adjustment for POI and they gave me $1K SL on the Platinum at 13.75%. I attempted to recon and while the lady acknowledged that my reasoning is sound, she said it’s the most they can do with my baddies (repo, 120 lates, BK) and that based on my overall track record with my other cards I’ll likely get a decent CLI after a year with them.
Its fine with me because it’s a $1K card I’ll use specifically for backup funding if I ever overdraft (which I had them send me the form - a bit weird that a CU with “digital” in the name has a snail mail form to enroll in VISA overdraft protection lol).
I am heavily leaning towards moving over to them. I spoke with the lady in lending and while her English wasn’t amazing, she was very friendly and then when she transferred me to the main line to finish setting up my membership, the rep Scott was so awesome that I left him a compliment with his supervisor. 
Seems like a great place to go so far and it’s amazing that they didn’t require me to put a balance into the checking account to open it. Most CUs have a $25-$50 minimum.
Lets see how this goes with the snail mail credentials and such and see how it goes with the phone app (so far it looks quite limited, at least on iOS, with things like resetting your password being directed to the DCU website) because I almost always am on my phone.
Its a really tough decision to make with regard to leaving my current bank because I’m actually quite happy with them overall but they won’t extend me any credit which is just a slap in the face for 7 years of flawless relationship history.
The early deposit would actually be great for me - SSDI deposits on the 3rd of the month, even getting it on the 2nd would be better than the 3rd.
@Anonymous wrote:...
Its a really tough decision to make with regard to leaving my current bank because I’m actually quite happy with them overall but they won’t extend me any credit which is just a slap in the face for 7 years of flawless relationship history.
...
Haha, yeah, that's the kind of issue I have with the regional banks here. I've never had any big problems with them, but that's only because expectations have always been low from all the nonsense going on.
For example, my brother's been banking for 20 years at this bank which has ~$20B of assets. When he had no credit they gave him a secured card, and that was about 10 years ago. Never an offer for any unsecured credit. And he's paid down 4 years of his car loan there, asked to refinance the paid portion of his car as a secured personal loan, and they offered a good rate at 6.x% but for a max term of 6 months. I mean, how do you even offer a 6 month term for a $15k loan to someone that's done all his banking with you for 20 years? He's never been bankrupt or had any lates or anything.
Then there's my former employer's bank. Multi billion dollar airline, with our branch pulling in multiple million in sales a year with not a lot of expenses, using that same bank for 25 years. And they wouldn't trust us enough to approve a simple merchant account that every mom n pop store has. Lol. You could imagine customers' expressions when we told them we can't do cards or checks, just cash, at a large airline company. People would drive back to their bank, bring us thousands of dollars in cash to buy tickets, then tell us the experience sucked. I'd have no choice but to agree with them and apologize every time.
Then the last regional bank here, where we've deposited our lease payments every month directly to our landlord's account for the last 10+ years. Their tellers would look at us funny and ask questions EVERY SINGLE TIME. And I look at their Funds Availability Policy which states 3 days for in-state checks and 1 week for out-of-state checks. Wow.
First, I'm a big believer in following your intuition. You have to do what makes you feel comfortable. That's not to say that one shouldn't take into consideration valuable information that helps them decide how they want to proceed but intuition is not to be ignored.
As far as issues with NFCU the main issue I was having was direct deposit not being available on the scheduled pay date. When I spoke to the CSR and a branch manager they explained that was an issue they were experiencing but it has gotten better. However, I was still told it depends on when the other bank process the funds as to when it would actually be available in my account. Moved on. Also, I have requested stop payments through them and they still paid the check. Granted the last time it happened I was able to catch it before they actually sent the money because I called before the funds were released to/from the Federal Reserve as it was explained to me. For the record I wasn't requesting stop payments because I didn't have the money in my account but because the checks seemed to be lost in the mail so I paid the bill through other means to make sure I didn't get hit with a late payment. Keep in mind these were checks that NFCU sent through bill pay. Moved on.
One suggestion might be to leave the direct deposit where it is and then deposit one of your personal checks into DCU to see if it works for you. Not necessarily the entire amount of your direct deposit but maybe a small amount to see if you find their process works for you or not. Just a thought. I started out like that. My first deposit was a personal check. I set up a few small bills to pay and found that it worked fine for me so now I pay all my bills through DCU. Another benefit for DCU over NFCU for me was that all my bills were able to be paid electronically through them where as NFCU was still sending paper checks to some of my creditors.
Because I'm still relatively new to dealing with DCU I am watching my account closely but so far it's worked out. But then again I watch all my accounts. Not because I have large sums of money but because I don't, so I can't afford any hiccups. 
Now I believe DCU do require the checking account be open and in good standing (no NSF) at least 3 months before they offer any type of CLOC other than the credit card option. I think. Don't quote me on that. That wasn't a deal breaker for me and I guess it wouldn't matter much to you since you already have the cc.
Definitely don't over think it. If you have a good idea where you want to do your main banking then follow through with that and see if everything lines up with to your satisfaction. Even if it doesn't you can always move on to the next 
@DaveInAZ wrote:
@MakingProgress wrote:
@SouthJamaica wrote:Yes, they are very good. The early direct deposit is a real treat.
My bank give me early DD by one day. At first I thought it was great but you have to remember after the first paycheck you are still on a weekly, bi-weekly, etc schedule. It is nice when you get irregular DD like a tax refund.
True, but early is still nice. Apparently the Federal Reserve send notices of incoming payroll direct deposits and credit unions like DCU give you credit for it when they receive the notice, big banks make you wait until they actually have it in their hot little hands. I have my payroll currently split between DCU and Wells Fargo, doing a bank account bonus with WF, nothing better I like then Wells Fargo paying me $$$ for my putting up with them for 10 years 1999-2009. By-weekly Fridays are my payday, Thursday morning it's in DCU, Wells not until Friday.
Interesting. Chase is early Friday morning or late Thursday evening PST, already have the deposits and could schedule a transfer to the brokerage account; however, they weren't there when I checked maybe 3 hours ago.
ETA: huh even the brokerage transfer cleared less than an hour later; not sure that's worth trying to get my DD a day earlier when it would take additional days for me to do anything more meaningful than sitting in a deposit account with it.
