Click Apply now under the DCU Visa Platinum Secured section. Also, the card doesn’t include a zero percent introductory APR. The DCU Visa Platinum Rewards card is the only DCU credit card option that allows you to earn bonus rewards on your spending. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Credit Card Insider is an independent, advertising supported website. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. DCU Credit Card Policy 5 • FP7: If charging the claim to an FP7 research project sub cost code – there are 2 lines for every entry e.g. Don’t forget to park $1K in their savings - 6.17% APY up to $1K! Credit Card Insider receives compensation from some credit card issuers as advertisers. Confirm personal details. When it’s time for you to look seriously at a home purchase, you’ll need a guarantee of financing, known as a preapproval letter. The typical rewards card charges an average APR around 17 percent. The offers that appear on this site are from companies from which CreditCards.com receives compensation. If you need to use a credit card for emergency cash, choose this one, due to its low APR and the fact that it doesn’t have a cash advance fee. Credit-builder loan — DCU’s credit-builder loan may help you build or rebuild your credit. Few credit cards have an interest rate equal to or better than 10.00 percent. Digital Federal Credit Union, in Massachusetts and New Hampshire, has a card that can help establish or improve your credit history.A great option for college students, this card offers lenient penalties, very few fees, and travel and online benefits. Approved for $3,000 unsecured Visa platinum, basic card with DCU. Oh man I definitely would have liked a 0% balance transfer!! What Credit Cards Are Available? Approval can take as little as one day but DCU performs a hard credit check upon receiving an application, so we recommend shopping around for other personal loans with pre-qualification and soft credit checks before applying, especially if you have good credit history.. Will DCU give loans to people with bad credit? The card does charge a late fee of $35, but this is standard. You could be approved for the DCU Secured Visa Credit Card with a FICO 300 credit score. Earn 1 point for every $1 spent The cash advance APR, which matches your regular APR, is also very reasonable. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. 1 4%. DCU operates in several communities in Massachusetts and Georgia. The foreign transaction fee, which ranges up to 2 percent, is lower than average. Still struggling with about 615 FAKO score and about 635 FICO (provided by Discover) on my Transunion. The DCU Visa Platinum Secured card keeps costs low. Further information is available in our FICO Data Privacy Policy. This low APR, however, is reserved for consumers with excellent credit. To qualify for the DCU Visa Platinum credit card, you must join DCU (Digital Federal Credit Union). I've always been a poor gardner. 3 7%. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. The DCU Visa Platinum Secured Credit Card provides a way for people with low credit scores to improve their credit, creating a positive account history that will boost your score.. It's definitely one of my favorite credit cards. 2 4%. Is DCU Visa Platinum® Secured Credit Card right for you? But you just missed it - DCU was offering a 12 month 0% balance transfer through Jan. 31. Re: DCU credit card approval. We’re sorry, but something went wrong and we couldn’t find your approval odds. Continuing DCU students. However, all credit card information is presented without warranty. Known for high levels of personalized services and competitive rates, credit union personal loans can be considered a great source for financing, and Massachusetts-based Digital Federal Credit Union (DCU) is no exception. Fantastic credit card with a really low interest rate, no cash advance or balance transfer fees and DCU doesn't mind you taking out cash advances with it. You can apply to borrow between $500 and $3,000 with loan terms ranging from 12 to 24 months. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Go to the DCU website and select Credit cards. 4.5 out of 5 stars. ²EMP = Estimated Monthly Payment the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Not bad at all! Get the DCU Visa® Platinum Rewards Credit Card card today. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Still, this is a much lower penalty rate than what many competitors charge. The DCU Visa Platinum credit card offers a low APR, a small sign-up bonus and relatively modest fees, but unfortunately lacks a 0 percent introductory APR. I made a nice payment the other day. Cardholders with the best credit scores are charged a minimum APR of just 11.25 percent, which is well below average for a rewards credit card. All Rights Reserved. Please allow 2 weeks to receive your card/cards. 1. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Regular APR: 8.50% to 18% Members of DCU Federal Credit Union (DCU) are eligible for the DCU line of Visa cards, including the DCU Visa Platinum Credit Card. The DCU Visa Platinum is not a feature-rich credit card, and it’s below average for a low interest rate card. Other CRAs are a little lower, I think 599 FAKO (Equifax) and 605 FAKO (Experian). CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. You’re already a DCU client and want to have a credit card from the same bank. When you start making offers, having your … This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Received instant approval and was able to fund each account with $250 each on a Credit Card. Copyright © 2021 CreditCards.com a Red Ventures Company. Banks are tightening their lending requirements amid the economic fallout from coronavirus, but here's how to increase your approval odds for a new credit card. From Account Holders in the last year. Privacy Policy. Cardholders seeking to save money on interest could find a much better value with a card that offers zero percent interest on balance transfers and new purchases for an initial period. See the online credit card applications for details about the terms and conditions of an offer. Meanwhile, the most M&T cardholders with lower scores can be charged is a maximum APR of just 18 percent. This is my first CC approval that is a non-store card since Sept. of 2017 when I got a Discover IT card with $1,800 limit (now auto upped to $2,200). I threw a $5 Amazon GC on my card on Friday when I got it and it showed up posted this morning. 4 5%. On the plus side, there are no returned-payment fees, no overlimit fees, and no minimum interest charge or cash advance fees. If you miss a payment with this card, you may lose the ultralow rate and find yourself paying a penalty APR of 18 percent. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account. Few credit cards have an interest rate equal to or better than 10.00 percent. I got the Discover IT card down to $664 out of $2200. If you have an problem with the computer / program. So if you like Dcu Credit Card, you can learn some ways to make full use of Dcu Credit Card. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Learn more about this company and what people are saying about it. Select if you have a co-applicant, then choose the card type. Compare DCU's Visa Platinum, Visa Platinum Rewards, and Visa Secured credit card programs. FTC's website on credit. The DCU Visa Platinum is not a feature-rich credit card, and it’s below average for a low interest rate card. Otherwise, your APR can range as high as 18 percent. By providing my email address, I agree to CreditCards.com’s You can contact CSD. All have great low rates and no annual fee. Although its 22 physical branches are located in Massachusetts and New Hampshire, it has a strong online presence with more than 500,000 members in all 50 states, making it one of the top 20 credit unions in the country. We’ll do a soft credit pull to find them, which will never impact your credit score. No fees is always a welcome feature, though there are some downsides to this card that keep it from being a must have. Otherwise, your APR can range as high as 18 percent. (other than certain participation fees for a credit card account). See your unique approval odds listed next to cards on our site. 2. 13.75% makes it a very nice option to avoid overdraft and they have a form that you can fill out to make the credit card your checking overdraft protection. I like DCU a lot so far. You tend to carry a balance and want to save money on interest. @Hockeypnc1 wrote: Approved for $3,000 unsecured Visa platinum, basic card with DCU. To hear this disclosure and a description of you payment obligation, please contact DCU toll free at 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time. This lets you know how much you can borrow, which will help narrow down what you can buy. Minimum Security Deposit: $500 Maximum Security Deposit: $100,000 Interest Rate: 11.50% Introductory Interest Rate: None Grace Period: 25 days Foreign Transaction Fees: None Annual Fees: None, but you must be a member of DCU which costs $15 annually in donations for those otherwise not members. The information, including card rates and fees, presented in the review is accurate as of the date of the review. The 6.17% was told to me by the rep when I was done talking to UW and they sent me over to get the rest of my membership taken care of. CreditCards.com does not include the entire universe of available financial or credit offers. Click NEW VISA and Continue. Dcu Credit Card is popular due to its functions, rewards, payment terms, application, reviews. Have been getting declined left and right due to Dec. 2016 BK (chapter 7) and likely also due to low scores and carrying balances each month. to maintain accurate information. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. Check the data at the top of this page and the bank’s website for the most current information. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. DCU actually has some rather competitive rates across the board. $0 foreign transaction penalty fees. Application Fees: None Rewards Program: None Signing Promotion: None Interest Earned on Security Deposit: Yes, interest is based on the current savings account rates which can be viewed here, 0.05% at … Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Congratulations You're doing a great job of turning things around. (1) The main reason is that it's generous on fees. Reasonable efforts are made One major drawback of the DCU Visa Platinum card is the lack of a zero percent introductory APR. All rights reserved. You got three times the limit I did on mine! Other Notable Features: Travel accident insurance, overdraft protection, Apple Pay. Consumer Reports rating: 93 (9% of issuers ranked higher), Google Play Store mobile app rating: 4.2/5. The DCU Visa® Platinum Rewards Credit Card comes with valuable features that might prove worth it if you’re a member of the DCU. I transferred the $5 from my checking and it immediately went to the VISA knocking it down to $0. Though these all influence your approval odds, ... Information about the Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Platinum Credit Card, DCU … You will have to contact your Credit Card centre. Now that's a quality card. $0 to 3% applicable fee for balance transfers, which is very low compared to other credit cards. Privacy Policy, Essential news and expert tips in your inbox every week. Many credit cards offer an introductory zero balance interest rate on balance transfers, purchases or both for a period of 12 to 18 months. NFCU immediately debits my checking but takes a day or two to post it to my card, it doesn’t even show as pending, so the DCU instant transfer is nice. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. More details on software and accessibility are available at WebAIM.org. Pay off as much as possible (more than minimum amount due) despite the low interest rate. Rates and terms on loans for other types of vehicles, including mobility vehicles, will differ. first line is for the ex-vat price and the second line will be the VAT amount – the code for the VAT is 70050. DCU does not charge a rate lock fee. DCU Credit Card Q & A. Q: What kind of consumer credit cards do you offer? CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Credit Card. CreditCards.com is an independent, advertising-supported comparison service. Get essential reads every week with our newsletter. Digital Federal Credit Union (DCU) Reviews. It is not our partner’s responsibility to ensure all posts or questions are answered. Otherwise, you can become a DCU member by joining and donating a small sum to one of the DCU’s participating nonprofit organizations. Learn more. MINIMUM PAYMENT I must pay at least the “Required Payment Due” by the payment Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. You can transfer a balance, but you will have to pay the regular APR. Learn more about our advertising policy. 12.50% APR, which is very low and quite competitive when compared to other secured credit cards. How To Join DCU Credit Union The easiest way to join DCU is to become ... the $10 Reach Out for Schools), and it subtracts the $10 from your opening deposit. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Its also nice that they don’t have a higher cash advance APR. It offers 1x points on all purchases, a potentially low APR, and zero fees. The card is not designed for cardholders who want to save money on paying off a balance over time. Credit Card Approval Letter ("Letter") received by you prior to this Agreement, your Card and the card carrier that we send with your Card, your signature (including any electronic or digital signature) on any Application, sales slip or other evidence of indebtedness on your Account and any other Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. However, we do receive compensation when you click on links to products from our partners. This card allows cardholders to earn reward points on every purchase, these points can be redeemed for gift cards, merchandise, travel and much more. And also, I did not know about the 6.17% savings rate!!! In the garden means not applying for any new credit. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 55 Reviews. Your personal information and data are protected with 256-bit encryption. Was very surprised to receive an approval. I compared DCU with my other CU, SSFCU, and DCU kills them across the board plus their relationship benefits for banking are pretty killer too. ... Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, ... As soon as you've finished the application we'll review your request for instant approval. 5 80%. DCU offers our DCU Visa ® Platinum, DCU Visa Platinum Rewards, and DCU Visa Platinum Secured. Still struggling with about 615 FAKO score and about 635 FICO (provided by Discover) on my Transunion. Credit Card Insider has not reviewed all available credit card offers in the marketplace. The DCU Visa® Platinum Secured Credit Card is an excellent credit-building tool. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. If you are approved, the funds will be secured as you have indicated on the form and your DCU VISA Card(s) will be mailed directly to the Primary Borrower’s address. Hover on Loans & credit cards. Our 3 user reviews can help you decide. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. It is a focused product designed for cardholders who want to carry an ongoing or occasional balance at a reasonable rate. Any other general enquires, you can contact Student Fee’s at 7005153 / 8786 / 7079 / 8302 or email us a fees@dcu.ie if you want to check payment etc Who can use this facility? Keep an eye on your inbox—we’ll be sending over your first message soon. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. This is a secured credit card, which means it requires a security deposit when you’re first approved. Definitely look at their offerings outside of credit cards, they have some perks that have me test driving them as my main FI. When you click on Anyone who lives or works in one of these communities is eligible to join DCU. For refinance of a DCU loan an administrative fee may apply. But keep in mind that with credit-builder loans you don’t have immediate access to your loan funds. All reviews are prepared by CreditCards.com staff. The regular interest rate is low. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Hopefully they'll offer it again before too long. The regular interest rate is low. Was very surprised to receive an approval. Your credit cards journey is officially underway. Many factors affect your FICO Scores and the interest rates you may receive. Digital Federal Credit Union (DCU) Secured Visa® … This low APR, however, is reserved for consumers with excellent credit. I am trying to pay down some cards, but Discover IT card APR is about 20% and I still owe about $1480 on it. All three programs offer very low interest rates and no annual fees. Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Select your options. Other CRAs are a little lower, I think 599 FAKO (Equifax) and 605 FAKO (Experian). But you have to join the issuing credit union to apply, and the security deposit is hefty. Dcu Credit Card. Congrats. Click Credit cards from the resulting window. If you have bad credit or no credit, the DCU Visa® Platinum Secured Credit Card is one of the top secured credit cards available. By providing my email address, I agree to CreditCards.com’s