topic Re: SDFCU Credit Union in Credit Cards

SDFCU Credit Union

Anonymous — Mon, 29 Jun 2015 03:25:23 GMT

Hi guys need some advice about my problem. (hope at least one time some one help)

in order to fix my credit (Ex 482 Tu 545 EQ 545) beaside credit repair service(sky blue), i am trying to open some of the revolving account, after denied from BOA Secured credit card, i heard NFCU is good credit union and will be graduate in certain time to unsecured credit card, and also process of app will be soft pull.

i called them and gave all my information for open the saving account. (25 min) and she said i will be call you back which she never did. the day after i called them and they said you need to email DL and SSC and i just did that, aafter 5 days back and forth they said we can"t open the account unless you be on the branch, which is impossible (i live in california bay area)

manager told me you open the account for your wife same thing i did and same result. i heard lot of people enroll on the phone without any problem,

2 question:

1) NFCU Credit union does have any branch in bay area?

2) Any Credit uion or banks which accept enroll secured credit card which will graduate to unsecured credit card and reports to all 3,available ?

please give me the names of them.

Thnaks for your time and advice.

Re: NFCU Credit Union

tiger_uppercut — Mon, 29 Jun 2015 00:29:09 GMT

They usually make you come in when there's a question of eligibility. How are you able to join NFCU?

And here you go: this thread has a big list of secured cards and their benefits/terms.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/m-p/3846302/highlight/true#M398522?filter=labels%2Clocation&location=forum-board%3Arebuildingcredit&q=secured+cards

Re: NFCU Credit Union

haiti222 — Mon, 29 Jun 2015 01:31:21 GMT

They have branches in Vacaville & Monterey.

Re: NFCU Credit Union

Anonymous — Mon, 29 Jun 2015 02:04:08 GMT

thanks alot for the great list

one moe thing:

do u know the list of banks or credit union credit cards for soft pulls?

Re: NFCU Credit Union

needtodobetter — Mon, 29 Jun 2015 03:05:28 GMT

The secured card through SDFCU is a soft pull. I am not sure if their membership app is though. NFCU is definitely a hard pull for membership and the credit card. I got pulled TU for membership and EQ for the cc. I did add a secured shared loan with NFCU to add to my credit mix, and that was the only thing that was not a hard pull.

Re: NFCU Credit Union

Anonymous — Mon, 29 Jun 2015 03:24:37 GMT

i am so sorry i just put wrong one. i apply a lot bank and credit union and i forgot the name.

it was SDFCU

I search in my area i couldn"t find any of them and also NFCU I called them and they said i have to be army or one of my familly.........

SDFCU IS soft pulls if you enrool over the phone. but i should be present in the branch which is impossible.

Re: NFCU Credit Union

happypill — Mon, 29 Jun 2015 07:35:18 GMT

@Anonymous wrote:
i am so sorry i just put wrong one. i apply a lot bank and credit union and i forgot the name.
it was SDFCU

I search in my area i couldn"t find any of them and also NFCU I called them and they said i have to be army or one of my familly.........

SDFCU IS soft pulls if you enrool over the phone. but i should be present in the branch which is impossible.

If you're having trouble getting approved for an account, one th ing you need to stop doing is applying to a lot of places. If you've applied to so many different places that you can't tell them appart, I'm going to infer that you have tons of inquiries on your reports. Based on your scores, inquiries definitely aren't your only problem, but having tons of them in a short span definitely hurts.

Again, going back to your scores, your only alternative at this stage may be to just clean up older issues and wait for a while. Even most secured cards won't approve you if you have a bunch of active delinquencies.

Re: NFCU Credit Union

Anonymous — Mon, 29 Jun 2015 09:10:50 GMT

Thanks for response. I apply in SDFCU which ,they saying should be present in branch. capital one approve. bank of america denied .i am trying to apply on some more bank which is soft pull and no effect on my credit, in the last month sky bluse send some dispute letters . and end of this weeks should recived result from them.

and also i apply in finget hut and they approve me $400 credit.

do you know how many credit card account should i open?

Re: NFCU Credit Union

tbque — Mon, 29 Jun 2015 12:16:40 GMT

I think what SDFCU is asking you to do is go into one of their Customers Service Centers to make your initial deposit into your savings account. It doesn't have to be a SDFCU branch. There are other CUs that they have a shared deposit relationship with. You can go to www.sdfcu.org and click on location then click on the "CU service centers" to search for locations near you.

Re: SDFCU Credit Union

Anonymous — Mon, 29 Jun 2015 21:35:49 GMT

I searched already but the don't gave any location in my area. (California_ East Bay_25 mile far away San Francisco.
Is the best credit union and they don't hear pull but I can't get there

Re: SDFCU Credit Union

creditfan — Mon, 29 Jun 2015 23:18:10 GMT

try NASA FCU

Re: SDFCU Credit Union

hawaii-girl — Tue, 30 Jun 2015 00:09:08 GMT

btw, sdfcu does not graduate

Re: SDFCU Credit Union

Anonymous — Tue, 30 Jun 2015 00:39:10 GMT

you know the name of some credit union or actual bank names, which they update or graduate to unsecured credit card?

Thanks

Re: SDFCU Credit Union

needtodobetter — Tue, 30 Jun 2015 01:06:33 GMT

The following offer secured cards that graduate:

BoA, Discover, NFCU, US Bank (almost positive), Wells Fargo (almost positive)

I have heard a lot of positive things about BoA - I believe you have the ability to add rewards (123) to the card and some people have graduated at 9 months or so. There is an annual fee. I believe if you want to add to the initial deposit later, it is a HP and it is likely a HP when they graduate you.

Discover - no annual fee, can increase deposit.

NFCU - no annual fee, can increase the deposit.

I am unfamiliar with US Bank and Wells Fargo.

Good luck!

Re: SDFCU Credit Union

CreditDunce — Tue, 30 Jun 2015 01:28:35 GMT

@Anonymous wrote:
you know the name of some credit union or actual bank names, which they update or graduate to unsecured credit card?
Thanks

Check out the thread tiger_uppercut provided. It lists many of the secured cards and if they graduate or not. I don't think the thread lists which cards are for rebuilders vs. no credit (e.g. BoA secured is more geared to people with no credit). But at least it is a place to start.

Re: SDFCU Credit Union

Anonymous — Tue, 30 Jun 2015 01:29:51 GMT

THANKS , needtodobetter

it was good information, But Unfortunatly when i applied on BOA, it was denied (my EX was 475 at that time, now 483) and same as Wellsfargo. And also i can"t even apply for NFCU, I Called them and they said ned to have some relative be army .

my option is: 1)US Bank visa secured credit card (i just was today for apply on my local branch)

2)Discover

Re: SDFCU Credit Union

Anonymous — Tue, 30 Jun 2015 01:35:58 GMT

thanks for response.

the only bank know for sure they will be update to unsecured credit card after 12 month is BOA, which is my app already denied . reason: my credit history didn"t have miniom requirements.

Re: SDFCU Credit Union

CreditDunce — Tue, 30 Jun 2015 01:47:07 GMT

The BoA secured card is not for someone rebuilding. It is really more for someone with no credit. The provided list of secured credit cards has about 16 credit cards that will graduate. Most within a year, two tops. The great thing about the BoA card is many people have been graduated earlier than 12 months. Plus you can add the 321 rewards. Rebuilders may not have as many choices.

Re: SDFCU Credit Union

needtodobetter — Tue, 30 Jun 2015 01:54:03 GMT

You can always try Capital One secured. It will not graduate but some have had luck receiving unsecured credit line increases after several months of positive use (using it and paying it in full often). Building history with them will help increase your scores and open the door to other cards.

Re: SDFCU Credit Union

needtodobetter — Tue, 30 Jun 2015 01:56:10 GMT

Also, just a FYI - there is not a way to apply directly for the Discover secured - you have to apply for one of their regular cards and it is sometimes offered as an option when you are denied one of their regular cards.