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dcu secured credit card phone number

by Norene Walter Published 1 year ago Updated 4 months ago

The Information Center can be reached 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. Easy Touch Telephone Teller (Press 2) – Provides 24-hour access to your accounts by touch-tone phone.

What banks offer secured credit cards?

Report a lost or stolen VISA Card 800.847.2911. If your card has been lost or stolen, call DCU immediately.

What are the best secured credit cards?

If you are looking to establish or improve your credit history, this credit card is a great way to get started. By allowing you to borrow against your DCU savings account, this card gives you all the benefits of DCU's Visa Platinum Credit Card.

Are secured credit cards better than prepaid debit cards?

1-800-328-8797 or. Try a different phone number. The DCU Visa® Platinum Secured Credit Card is offered by Digital Federal Credit Union in Massachusetts and New Hampshire, and can help establish or improve your credit history. A decent option for people with poor credit, this card offers shopping and travel benefits, lenient penalties, and very ...

What exactly is a secured credit card?

The DCU Visa Platinum® Secured Credit Card customer service number is (800) 328-8797. What is the support contact email for DCU Visa Platinum® Secured Credit Card? The support contact email for DCU Visa Platinum® Secured Credit Card is [email protected] .


Can you open a secured credit card over the phone?

You can make your security deposit online or over the phone. When you've made your minimum required security deposit, your account will be opened.

What is Platinum secured card?

A: The Capital One Platinum Secured Credit Card is a secured credit card that helps users build or rebuild their credit history with responsible use. After you get approved for the card, you'll make a minimum security deposit of $49, $99 or $200.

How do you increase your credit limit in DCU?

Q: Can I increase my credit card limit? If you are interested in increasing your Visa credit limit, you will need to complete a Visa application or apply online. Once your application has been received by our Consumer Loans Department, a loan officer will be in contact with you within one to three business days.

Is DCU a good credit union?

Reflects average rating on six-point "excellent" to "very poor" scale for convenience of branch locations. Reflects average rating on six-point "excellent" to "very poor" scale for wait time to see a teller. DCU (Digital Federal Credit Union) is part of the Banks & Credit Unions test program at Consumer Reports.

What does a $200 credit line mean?

The amount you deposit usually becomes your credit limit. Deposits typically start at $200 and can range to upwards of $2,500. If you make a $200 security deposit, you'll receive a $200 credit limit. If you want a bigger credit limit, you'll need to deposit more money.

How can I use my secured credit card with $200?

To use a secured credit card with a $200 limit, first put down a refundable security deposit of $200 to establish your credit line, then use the card to make a few small purchases each month, and pay off the balance by the due date. You will get the $200 back when you close your account or receive an upgrade offer.Mar 4, 2022

What credit report does DCU pull?

1. Why did DCU choose Equifax for this product? Equifax has a long and well-established history of recording credit information. DCU's goal in offering this product was to provide the most useful information to our members free of cost, allowing our members to better achieve their financial goals.

What is a secured credit card?

When a credit card is “secured,” it means money must be deposited with the credit card issuer in order to open an account. That money is known as a security deposit. And it's held by the credit card issuer while the account is open, similar to the security deposit given to a landlord to rent an apartment.Jan 10, 2022

What is a secured credit card vs unsecured?

Unsecured Card – What's the Difference? A secured credit card like the UNITY Visa Secured Card is a credit card that is funded by you. The amount you deposit for the card determines your limit. On the other hand, an unsecured card does not require you to fund it.

Does DCU use Chexsystems?

DCU does use chexsystems for checking accounts.Jan 10, 2022

How long does DCU take to approve?

On average, most people receive their personal loan funds within a week. Lenders who provide online applications– including DCU – are generally quicker with processing, with many people receiving their funds within one or two business days of the application submission.

Which bank is DCU?

Digital Federal Credit Union, better known as DCU, is a not-for-profit financial cooperative owned by and operated for our members. DCU was chartered in October of 1979. Since then, DCU has been chosen as the credit union for more than 700 companies and organizations.

At a Glance

If you are looking to establish or improve your credit history, this credit card is a great way to get started. By allowing you to borrow against your DCU savings account, this card gives you all the benefits of DCU's Visa Platinum Credit Card.

Plan to Use Your Credit Card

Choose from our easy to use calculators to help you manage your credit cards, your debt, or your savings.

People Also Shopped For

Find out what other members have shopped for after viewing this product.

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Speak to Customer Service

The DCU Visa® Platinum Secured Credit Card is offered by Digital Federal Credit Union in Massachusetts and New Hampshire, and can help establish or improve your credit history.

What is a secured credit card?

A secured card to rebuild your credit with no annual fee. It’s hard to build credit if you have poor or no credit. APRs on loans and credit cards can be sky-high, if you’re approved at all. Digital Federal Credit Union offers the no-frills Visa Platinum Secured Card, which reports to the three major credit bureaus to help you rebuild your credit ...

Who is Julia Cameron?

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Does a secured credit card help your credit score?

The perks. If you have poor or no credit, a secured credit card can help improve your credit score. Your initial line of credit is based on your security deposit. So through everyday spending, you’re building credit with every swipe of your card.

What is a secured credit card?

The purpose of a secured card is to help you rebuild your credit. That can't happen if the card issuer doesn't report your card activity to the companies that compile credit reports, the basis for credit scores. Some small, local banks may report to only one or two of the three major credit bureaus, or none at all. The DCU Visa® Platinum Secured Credit Card reports to all three major bureaus, making it easier for you to get back on track to building good credit. You also get free access to your FICO credit score, so you can track your progress.

How is NerdWallet rating determined?

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

Is DCU a good credit card?

Make no mistake. DCU, which offers the DCU Visa® Platinum Secured Credit Card, is one of the good guys in the secured-card industry , with its share of predators. This DCU card has a number of consumer-friendly features that are laudable for a secured card — notably low interest rates and a dearth of fees, including an annual fee of $0.

Do you pay interest on cash advances?

Even cash advances are fee-free, and you don't pay a higher interest rate on advances. (Many cards charge a fee and impose a higher rate.) You must put down a hefty refundable security deposit when you open the account. But beyond that, the card costs very little.

Is it better to carry a credit card balance month to month?

In general, it's best not to carry a balance on a credit card from month to month.

Do you need a security deposit to open a secured card?

Security deposit required. The security deposit required to open any secured card account is a barrier for some people. It often requires coming up with hundreds of dollars and tying up that money for as long as the account is open. If you want a high credit line, you have to put up a deposit to match.

Is a low interest rate good for bad credit?

A low interest rate and lack of fees are great upsides for people with bad credit, but you’ll need to jump through a few hoops to take advantage of this secured card.

What happens if you pay a credit card late?

If a late payment of 30 or more days is imminent on the credit card, the authorized user will want to be removed from the account, since the late payment will damage his credit.

Who makes the FICO score?

The FICO scored developed by Fair Isaac Corporation, the most popular credit score among major lenders, uses authorized user information in its credit scores as long as there is no evidence that the authorized user has been added to a stranger’s account for the purpose of capitalizing on the stranger’s good credit.

DCU Credit Cards

The most important feature regarding DCU credit cards is that all these three products, despite their different attributes ( 5 ), have a zero fee for balance transfers ( 1) (except the secured card option ( 4) ), no annual fee ( 3 ), and zero for cash advances ( 2 ).

DCU Secured Visa Platinum Credit Card

The DCU Secured Visa Credit Card accepts applicants with bad credit scores. It is a secured credit card, so your available credit limit amount will be commensurate with the amount of money that you pay as the security deposit. A security deposit of at least $500 is needed to activate the credit line for a DCU Secured Visa Credit Card.

Comparison of The DCU Secured Visa Platinum Credit Card With Other Cards

Let´s see a comparison of the DCU Secured Visa Platinum credit card in comparison with other credit cards that are also secured, and are being issued by other credit institutions.

DCU Visa Platinum

This card, adequate for people enjoying a higher credit score, has an annual percentage rate of ten percent (10% APR)

DCU Visa Platinum Compared With Similar Products

Now let’s compare the DCU Visa Platinum with other premium products available in the market. I mean products, that are available for cardholders that have higher creditworthiness because of their higher credit score.

DCU Visa Platinum Rewards

Now let’s see the DCU Visa Platinum Rewards Card. This is the rewards card from the DCU institution. So as you can see, all these banks and credit organizations have, generally speaking, three products to cater to different audiences: they have a secured card, a premium card for those who enjoy high credit, and they also have these “rewards” cards.

Further Reading

Related to this topic, there are some interesting reviews of credit cards that I would like to suggest you read.

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