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Good history helps you get approved for new loans without a hassle. DCU knows how to take care of their customers and in rewarding them. Yes, I applied and received this card with zero credit. I am 100% sure that I never saw this much caring and awesome banking services in my life. This is my first credit card and depending on how much you make at work is the amount you are loaned. I will definitely recommend this card to anyone in the market for a credit card. I have visited a couple of countries and I can say this is the ***BEST*** financial institution in the world. You need to have a stable job for at least 3 months and have pay stubs to prove it. I'm in the same boat as you with good income but poor credit. — Rajesh, Houston, TX If you have any questions, please speak with a Member Service Representative at your nearest DCU branch or call our Information Center at 800.328.8797, weekdays from a.m. I was approved for a visa platinum card (didn't have to do the secured card). Every other company would only approve me for a secured card. That offers four advantages: If your APR is increased for this reason, the Penalty APR will apply until you have made six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.DCU helped me buy my dream car and also my first car with a rate that was so low, everyone else came no where close to what DCU could offer.

For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.NOW MY GOAL IS TO MAKE TIMELY PAYMENTS SO I CAN MOVE UP TO UNSECURED VISA.