topic Re: SDFCU? in Credit Card Applications

SDFCU?

calyx — Thu, 15 Aug 2019 15:56:17 GMT

I'm gardening now, but have a question for the future re: SDFCU

Does anyone know if going into an SDFCU branch yields better results re: credit card applications/preapprovals like Chase or other banks? I am not in the immediate area, but I go up to MD/VA/DC often enough that it's not a hardship if it would generate better results.

And yes, I'm already a member.

Re: SDFCU?

CreditInspired — Thu, 15 Aug 2019 17:32:15 GMT

@calyx wrote:
I'm gardening now, but have a question for the future re: SDFCU

Does anyone know if going into an SDFCU branch yields better results re: credit card applications/preapprovals like Chase or other banks? I am not in the immediate area, but I go up to MD/VA/DC often enough that it's not a hardship if it would generate better results.

And yes, I'm already a member.

It depends on whether you have a banking relationship with them; and whether in branch or online, your credit profile is still paramount. How are your DPs?

EDIT: Oops just saw you’re a member. So how is your credit profile?

Re: SDFCU?

calyx — Thu, 15 Aug 2019 19:24:28 GMT

@CreditInspired wrote:
@calyx wrote:
I'm gardening now, but have a question for the future re: SDFCU

Does anyone know if going into an SDFCU branch yields better results re: credit card applications/preapprovals like Chase or other banks? I am not in the immediate area, but I go up to MD/VA/DC often enough that it's not a hardship if it would generate better results.

And yes, I'm already a member.
It depends on whether you have a banking relationship with them; and whether in branch or online, your credit profile is still paramount. How are your DPs?

EDIT: Oops just saw you’re a member. So how is your credit profile?

For SDFCU - not great from what I've been reading.

Clean, but young (I wasn't pulling scores until next month; major derogs fell off of EQ this month, so it should be in line with the others).
I have 9 or 10 tradelines - 2 installment (student loan, auto loan); 7 revolving lines; 1 AU.
I know I have too many inquiries (gardening!) at 5/5/4 (12m, 9/7/5 over 24m). Most of the <12m will be 1 year in September/October or March of next year. Most of the >12/<24 fall off in January. Most of my cards were double pulls, so they fall off in batches.
Adequate income; good DTI.
I don't plan on apping any time soon, but I was wondering if in-person apping would make any difference with them.

Right now, I only have savings that I deposit monthly with them. Not a lot, because their savings rate is crappy and I have high yield accounts elsewhere. If it helps in the future, I can move money into their certificates, too, since those rates seem to be comparable to other institutions I have money in and I have enough regular savings that having not-quite-so-liquid savings isn't a hardship.

Re: SDFCU?

FinStar — Thu, 15 Aug 2019 19:41:27 GMT

From what I recall in a thread buried from several years ago, in-person applications only speed up the process from an ID verification standpoint or if you have any required docs they might need, but would not necessarily provide any UW advantage than if it were submitted online if you're already an existing member. They're known to be very conservative.

Re: SDFCU?

calyx — Thu, 15 Aug 2019 19:52:56 GMT

That's what I thought, but I was hoping to be wrong (re: no advantage)

I know they're pretty conservative, so I will just bide my time (maybe).

Then again, maybe in the future if/when I get around to apping, they will have changed their mind and don't want someone potentially wailing in dejection in their lobby, hah.

Re: SDFCU?

Anonymous — Thu, 15 Aug 2019 22:11:41 GMT

Must wear pimp suit when applying in person. Reply back with results. 😂

Re: SDFCU?

calyx — Thu, 15 Aug 2019 22:22:53 GMT

@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂

If it would get me the approval, I'd be in for it.

Re: SDFCU?

CreditInspired — Thu, 15 Aug 2019 23:03:40 GMT

@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂

Too funny. OMG I just knew this was @AverageJoesCredit post. Okay, so now we have another commedian in the house. I’m loving it. 😂😁😆

Re: SDFCU?

CreditInspired — Thu, 15 Aug 2019 23:05:09 GMT

@calyx wrote:
@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂
If it would get me the approval, I'd be in for it.

For a great SL, heels of shoes must have goldfish—live goldfish 😂🤣

Re: SDFCU?

FinStar — Thu, 15 Aug 2019 23:13:04 GMT

@CreditInspired wrote:
@calyx wrote:
@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂
If it would get me the approval, I'd be in for it.
For a great SL, heels of shoes must have goldfish—live goldfish 😂🤣

Good one @CreditInspired

Re: SDFCU?

Anonymous — Fri, 16 Aug 2019 01:54:09 GMT

@CreditInspired wrote:
@calyx wrote:
@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂
If it would get me the approval, I'd be in for it.
For a great SL, heels of shoes must have goldfish—live goldfish 😂🤣

And for a low APR, bring your own theme music.

Re: SDFCU?

Guyatthebeach — Fri, 16 Aug 2019 03:24:59 GMT

Calyx,

Ive never been inside a SDFCU branch yet. I just had to submit the docs and POI online once. When I first applied for a CC with them it was declined. I reconned it and was approved for $1000 a few years. After a few annual CLI’s, it’s over $10k. I do get some of the preapproved check loans twice a year. They have never asked for income proof after the first time.

They are are extremely conservative, but they have been great to me.

Guyatthebeach

Re: SDFCU?

Anonymous — Fri, 16 Aug 2019 05:02:32 GMT

Although I think PenFed may be on a different level of conservative, it seems that SDFCU may be in competition.

Not sure if its a UW risk management or prestige campaign. Could be a bit of both. NFCU seems to be doing just fine in their efforts in attracting new customers and staying viable.

I still think @Calyx should take it up a notch to differentiate himself for the in-person visit. All suggestions so far have been on point and maybe for added effect bring along a Pam Greer look-a-like in period wardrobe.

Much luck!

Re: SDFCU?

calyx — Fri, 16 Aug 2019 11:00:31 GMT

@Guyatthebeach wrote:
Calyx,

Ive never been inside a SDFCU branch yet. I just had to submit the docs and POI online once. When I first applied for a CC with them it was declined. I reconned it and was approved for $1000 a few years. After a few annual CLI’s, it’s over $10k. I do get some of the preapproved check loans twice a year. They have never asked for income proof after the first time.

They are are extremely conservative, but they have been great to me.

Guyatthebeach

Thank you for sharing your experiences!

Re: SDFCU?

calyx — Fri, 16 Aug 2019 11:10:19 GMT

@Anonymous wrote:
Although I think PenFed may be on a different level of conservative, it seems that SDFCU may be in competition.
Not sure if its a UW risk management or prestige campaign. Could be a bit of both. NFCU seems to be doing just fine in their efforts in attracting new customers and staying viable.

I still think @Calyx should take it up a notch to differentiate himself for the in-person visit. All suggestions so far have been on point and maybe for added effect bring along a Pam Greer look-a-like in period wardrobe.

Much luck!

FYI: I have absolutely no problems humiliating myself in public, and I can sew like a maniac; if I thought walking in in a costume or bright outfit would get me (positive) attention, I'd be in.

Re: SDFCU?

coldfusion — Fri, 16 Aug 2019 11:41:11 GMT

@calyx wrote:
@Anonymous wrote:
Although I think PenFed may be on a different level of conservative, it seems that SDFCU may be in competition.
Not sure if its a UW risk management or prestige campaign. Could be a bit of both. NFCU seems to be doing just fine in their efforts in attracting new customers and staying viable.

I still think @Calyx should take it up a notch to differentiate himself for the in-person visit. All suggestions so far have been on point and maybe for added effect bring along a Pam Greer look-a-like in period wardrobe.

Much luck!
FYI: I have absolutely no problems humiliating myself in public, and I can sew like a maniac; if I thought walking in in a costume or bright outfit would get me (positive) attention, I'd be in.

In that case posting a picture here would be mandatory.

Re: SDFCU?

calyx — Fri, 16 Aug 2019 13:12:13 GMT

@coldfusion wrote:
@calyx wrote:
@Anonymous wrote:
Although I think PenFed may be on a different level of conservative, it seems that SDFCU may be in competition.
Not sure if its a UW risk management or prestige campaign. Could be a bit of both. NFCU seems to be doing just fine in their efforts in attracting new customers and staying viable.

I still think @Calyx should take it up a notch to differentiate himself for the in-person visit. All suggestions so far have been on point and maybe for added effect bring along a Pam Greer look-a-like in period wardrobe.

Much luck!
FYI: I have absolutely no problems humiliating myself in public, and I can sew like a maniac; if I thought walking in in a costume or bright outfit would get me (positive) attention, I'd be in.
In that case posting a picture here would be mandatory.

I still have my Statue of Liberty costume in the closet, that seems to be in theme. I've also got my ren-faire stuff, my Medusa costume, my Bene Gesserit costume, my Jean Luc Picard costume, AND my Influenza one.. the older ones have been cannabilized/repurposed, but I've got options, a will, and time in the Garden to prepare

Re: SDFCU?

calyx — Fri, 16 Aug 2019 13:13:24 GMT

Now I have images of a CSR or UW having to report why they preapproved me/gave me some startlingly high inappropriate limit "But she threatened to Gom Jabbar us!"

Re: SDFCU?

coldfusion — Fri, 16 Aug 2019 13:41:43 GMT

@calyx wrote:
@coldfusion wrote:
@calyx wrote:
@Anonymous wrote:
Although I think PenFed may be on a different level of conservative, it seems that SDFCU may be in competition.
Not sure if its a UW risk management or prestige campaign. Could be a bit of both. NFCU seems to be doing just fine in their efforts in attracting new customers and staying viable.

I still think @Calyx should take it up a notch to differentiate himself for the in-person visit. All suggestions so far have been on point and maybe for added effect bring along a Pam Greer look-a-like in period wardrobe.

Much luck!
FYI: I have absolutely no problems humiliating myself in public, and I can sew like a maniac; if I thought walking in in a costume or bright outfit would get me (positive) attention, I'd be in.
In that case posting a picture here would be mandatory.
I still have my Statue of Liberty costume in the closet, that seems to be in theme. I've also got my ren-faire stuff, my Medusa costume, my Bene Gesserit costume, my Jean Luc Picard costume, AND my Influenza one.. the older ones have been cannabilized/repurposed, but I've got options, a will, and time in the Garden to prepare

Just based on the themes I'd say start with the ren-faire stuff.