topic State Department Federal Credit Union - 2% Cash back in Credit Card Applications

State Department Federal Credit Union - 2% Cash back

AndySoCal — Thu, 01 Jun 2023 01:19:14 GMT

EDITED TO ADD The credit card was approved membership still pending see my post in credit card approvals. After some thinking I decided to apply for this card. Thank you to all who provided input and advice on this credit union and card. A second factor was several posts by those who the card of auto CLI's on a regular basis.Will my experiece be the same I don't know. Lastly the SDFCU web site says the minimum credit limit is $5,000. I was able to apply for membership and the credit card at the same time. I provided as much information as I could my ID's, pay stub, and a copy of my ACC membership certificate. Their was option on the application regarding membership will join the credit union if the credit card application is approved which I took. Their savings rates are below what I am currently receiving from my bank and credit unions. I could say that about many banks and credit unions.

On Staturday their was a hard pull on Experian and my credit card application is pending. The membership is still in the status as it was when I submitted the application. So I think I will hear back on Tuesday once the membership process is completed. My Experian FICO 08 score is 820 per Experian website and my credit utilization is at 1% or less. Last hard inquiry was a year ago. All that said is will see what happens.

Re: State Department Federal Credit Union - 2% Cash back

hawkins — Sun, 28 May 2023 15:11:54 GMT

@AndySoCal wrote:
After some thinking I decided to apply for this card. Thank you to all who provided input and advice on this credit union and card. A second factor was several posts by those who the card of auto CLI's on a regular basis.Will my experiece be the same I don't know. Lastly the SDFCU web site says the minimum credit limit is $5,000. I was able to apply for membership and the credit card at the same time. I provided as much information as I could my ID's, pay stub, and a copy of my ACC membership certificate. Their was option on the application regarding membership will join the credit union if the credit card application is approved which I took. Their savings rates are below what I am currently receiving from my bank and credit unions. I could say that about many banks and credit unions.

On Staturday their was a hard pull on Experian and my credit card application is pending. The membership is still in the status as it was when I submitted the application. So I think I will hear back on Tuesday once the membership process is completed. My Experian FICO 08 score is 820 per Experian website and my credit utilization is at 1% or less. Last hard inquiry was a year ago. All that said is will see what happens.

Well best of luck to you. I hope you have better luck than I did. SDFCU is a very low tech credit union that is a pain in the ass to not only reach a live human that can do anything but they are notoriously conservative in there lending. I only submitted for a membership and they no matter how many times I submitted my doc in every way I could possibly think of they somehow could not verify my identity. Hopefully you have much better luck than me I'm curious as I would love to join them still just left with a bad taste in my mouth the last time.

Re: State Department Federal Credit Union - 2% Cash back

AndySoCal — Sun, 28 May 2023 19:53:41 GMT

@Anonymous What I gave them for my ID was my State ID (front and back) SSN Card and Utility bill.