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Established Contributor
lhcole77
Posts: 948
Registered: ‎09-18-2012

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?

 




EX08 FICO 738. EQ08 FICO 736. TU08 FICO 732.
Frequent Contributor
toi34
Posts: 384
Registered: ‎01-31-2009

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 [no credit cards, no inq's, 1 Student Loan 90 day late, CA's and CO's...most PFD'd!]
July 2014 Scores: 660's-680's ...Getting there!
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Barclay Apple Visa ($1200); Barclay Rewards MC ($1300); Discover It ($1100); 'Credit Steps' to QuickSilver in 5 months! ($2300), PC'd QuickSilver One ($750);Care Credit ($3000); Kay's (3000); Fingerhut ($1050); **All my favorite Comenity and GE Store Cards ($10,900)....Luv'Em....they get heavy use! Current Util: 22% Gardening Until: August 15, 2014
Established Contributor
lhcole77
Posts: 948
Registered: ‎09-18-2012

Re: Who has an SDFCU Visa?

[ Edited ]
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 😄



EX08 FICO 738. EQ08 FICO 736. TU08 FICO 732.
Frequent Contributor
toi34
Posts: 384
Registered: ‎01-31-2009

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 [no credit cards, no inq's, 1 Student Loan 90 day late, CA's and CO's...most PFD'd!]
July 2014 Scores: 660's-680's ...Getting there!
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Barclay Apple Visa ($1200); Barclay Rewards MC ($1300); Discover It ($1100); 'Credit Steps' to QuickSilver in 5 months! ($2300), PC'd QuickSilver One ($750);Care Credit ($3000); Kay's (3000); Fingerhut ($1050); **All my favorite Comenity and GE Store Cards ($10,900)....Luv'Em....they get heavy use! Current Util: 22% Gardening Until: August 15, 2014
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

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 :smileyvery-happy:

Moderator
09Lexie
Posts: 24,183
Registered: ‎09-13-2012

Re: Who has an SDFCU Visa?

Established Contributor
lhcole77
Posts: 948
Registered: ‎09-18-2012

Re: Who has an SDFCU Visa?

LOL! I def have the Beaver Ducks on my radar. So tempting.....



EX08 FICO 738. EQ08 FICO 736. TU08 FICO 732.
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

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
Moderator
09Lexie
Posts: 24,183
Registered: ‎09-13-2012

Re: Who has an SDFCU Visa?

Valued Contributor
tray
Posts: 1,350
Registered: ‎01-29-2008

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

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