Review of The Duck Card Visa from OCCU

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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MemberSince99
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Postby MemberSince99 » Wed Nov 06, 2013 7:23 pm

Neither one will ever win a beauty contest, but honestly who cares when you get a starting limit like that.


DA SLY 1
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Postby DA SLY 1 » Wed Nov 06, 2013 7:28 pm

Member, true... But you can't help but be lured by that orange...I just hope someday they will change them to visa sigs and not platinum.
NFCU Flag Visa Sig $11k *| AMEX BCE $6k*| Discover It $2.5k *| Citi TY Preferred $3.5k *|
Chase Freedom Visa $500 *| Lowe's $3.5k *|
Bank of Hawaii Rewards Platinum Visa $3.8k *| Hawaii USA FCU Platinum Visa 3k *| Firestone 1.8k *| OCCU Beaver Visa 20k *|

FICO EQ- 747- FICO EX - 727 - FICO TU 737

Kripler68
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Postby Kripler68 » Wed Nov 06, 2013 9:47 pm

Very nice DA SLY 1.

I could not resist applying for this card after all the chat about high limits.
But I am a USC fan...lol

Bay area Joe
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Postby Bay area Joe » Thu Nov 07, 2013 10:45 am

Bay area Joe wrote:What kind of stats do you have ?


It does help, and thank you.
My EQ is 786, I have DTI of 6%, AoAA is 4.1 years, 19 open accounts, last one 3/2013. Total limits across all accounts is 182k. 0 Inq on EQ at this time.

Thank you again. I will think about it.
J

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otter
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Postby otter » Thu Nov 07, 2013 4:36 pm

I too could not resist the call of the Duck and...

Approved for $10000 more than doubling my total available credit. Wasn't instant, but they called today verified my address and two current creditors and bam... my first 5 digit CL and more than 3X my next highest limit. The Duck rocks!!!
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

CC Deville
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Review of The Duck Card Visa from OCCU

Postby CC Deville » Thu Nov 07, 2013 5:10 pm

otter wrote:I too could not resist the call of the Duck and...

Approved for $10000 more than doubling my total available credit. Wasn't instant, but they called today verified my address and two current creditors and bam... my first 5 digit CL and more than 3X my next highest limit. The Duck rocks!!!


Congrats on the approval!

Kripler68
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Postby Kripler68 » Thu Nov 07, 2013 6:11 pm

Way to go Otter, congrats

Kripler68
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Postby Kripler68 » Thu Nov 07, 2013 6:12 pm

No problem Joe,

I do not think you would have an issue with a 20,000+ credit limit with stats like that.

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otter
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Postby otter » Thu Nov 07, 2013 7:02 pm

Thanks guys... what convinced me to pull the trigger on the app was seeing a post on fico where this one dude with about the same AAoA as me, but with 25+ cards(almost all junk cards) and over 40 inq. was given $7500. I guessed I would get $10000 easy and I was right. After the lady on the phone said I was approved, I chatted for a few minutes with her. They are aware that their card is the latest buzz on fico. I wouldn't even doubt if someone at OCCU was the one who made the initial post to fico. :D
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

MemberSince99
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Postby MemberSince99 » Thu Nov 07, 2013 7:33 pm

Congrats to you otter! It's kind of funny your name is otter when they have a duck and a beaver card! :)



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