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I had a small balance 1K in OD Checking account with DCU that I IIB
Think I can apply to rejoin...
I know most credit unions blacklist... just curious if anyone has dealt with DCU afer IIB
Well, I doubt it. Most credit unions blacklist permanently after a loss because they're non-profit, member owned and don't have the loss reserves commerical banks have.
But I guess it won't hurt to try, if you're blacklisted they'll let you know without pulling your credit. I have a 2010 BK7 on my report but didn't include DCU, so they approved me for membership and a car loan in 2017 without a problem.
@MyDataMyChoice wrote:I had a small balance 1K in OD Checking account with DCU that I IIB
Think I can apply to rejoin...
I know most credit unions blacklist... just curious if anyone has dealt with DCU afer IIB
I’m only guessing but I’m thinking an overdrawn bank account may be worse than a default on a CC. So you’re probably in chexsystem and wouldn’t be able to open another checking or savings account anywhere until that’s cleared up.
But this is just my 2cents.
Both above posters are probably correctl and DCU uses chexsystems and that alone would get your declined.
I suspect for a concrete answer you're going to have to take a flier and simply re-apply for membership.
IIRC reading here a bit ago it's no longer a HP for membership / share accounts, so might be worth the college try TBH.