If you have one, what the app process like? Was online approval instant? Or did you have to wait for a decision?
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.
Yeah..sorry...it a NO AF, but low APR (6.99%).
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
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.