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Who has an SDFCU Visa?

Valued Contributor

Who has an SDFCU Visa?

If you have one, what the app process like? Was online approval instant? Or did you have to wait for a decision?

 

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 1 of 11
10 REPLIES
Established Contributor

Re: Who has an SDFCU Visa?

I have the card with the EMV chip...going on 6 months now. Low AF and if you apply over the phone it is a soft pull. Once approved, you fax back a few documents that they email to you. In about 3 weeks you'll receive the card AND it would have reported to all three CB's.

May 2013 Starting Scores: 540's-570's
July 2016 Scores: 654-705 ...No Lates, CA's or CO's, new car + high Util
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna/Penfed FCU ($5000); NFCU CLOC ( $15,000); NFCU Refi ($18,144) Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's/Jared's ($4700); Target ($2000); Fingerhut/Gettington ($2250); **All my favorite retail cards ($61,000)..Luv'Em..they get heavy use!
Message 2 of 11
Valued Contributor

Re: Who has an SDFCU Visa?

Thanks for the reply. All the info I've gathered says it's a no AF card that requires a HP.

Is your card secured or unsecured?

Edit: just looked at your siggy and see that's it's secured...scratch previous question 😄
FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 3 of 11
Established Contributor

Re: Who has an SDFCU Visa?

Yeah..sorry...it a NO AF, but low APR (6.99%).

May 2013 Starting Scores: 540's-570's
July 2016 Scores: 654-705 ...No Lates, CA's or CO's, new car + high Util
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna/Penfed FCU ($5000); NFCU CLOC ( $15,000); NFCU Refi ($18,144) Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's/Jared's ($4700); Target ($2000); Fingerhut/Gettington ($2250); **All my favorite retail cards ($61,000)..Luv'Em..they get heavy use!
Message 4 of 11
Community Leader
Senior Contributor

Re: Who has an SDFCU Visa?


lhcole77 wrote:
Thanks for the reply. All the info I've gathered says it's a no AF card that requires a HP.

Is your card secured or unsecured?

Edit: just looked at your siggy and see that's it's secured...scratch previous question 😄

Pssst...Go for the Duck or Beaver Smiley Very Happy

Message 5 of 11
Moderator Emerita

Re: Who has an SDFCU Visa?

Message 6 of 11
Valued Contributor

Re: Who has an SDFCU Visa?

LOL! I def have the Beaver Ducks on my radar. So tempting.....
FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 7 of 11
Community Leader
Senior Contributor

Re: Who has an SDFCU Visa?

Lol... Oh hi again dear Lexie! :-)

I was just... you know... ummmm...trying to help Ihcole77 with some choices and expand his CU options given the success of recent members with the Beavers and the Duckies and ummm looks like this CC is on his radar :-D

@ Ihcole77... Sorry bud... Looks like I got busted! LOL
Message 8 of 11
Moderator Emerita

Re: Who has an SDFCU Visa?

Message 9 of 11
Valued Contributor

Re: Who has an SDFCU Visa?

What are you looking for is it a card that has the potential to offer a high cl if that is the case I would definintely try for the duck card alot of members have been successful with pretty high limits, I wish I did not have some many accounts opened this year I would have jumped on the bandwagon myself

If you are looking for a card with a low apr and chip and pin technology then sdfcu is a good choice.  I am a member and recieved a pre-approval see my recent thread 

If I was you and was interested I would just call the lending department the application process will be faster you can speak with a loan officer right there it is a hard pull EX and probably might request 2 paystubs overall you have a good chance I recieved my REAL EX score in the mail from sdfcu totally different from this site at is was only 694 too  many new accounts and still recieved a good cl.  I wish you all the luck.... go for any of these cards you will not regret.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 10 of 11