topic Re: SDFCU new 2% card in Credit Cards

SDFCU new 2% card

jacetx — Tue, 03 Apr 2018 02:15:56 GMT

Card earns 2% cash back on all purchases
Sign up bonus of $200 after $3,000 in spend within the first 90 days
No annual fee
No foreign transaction fees
No balance transfer fees
Cell phone protection
Credit lines from $5,000 to $100,000

https://www.sdfcu.org/credit-cards

Re: SDFCU new 2% card

Anonymous — Tue, 03 Apr 2018 02:16:24 GMT

Ohhhhh please please please let this be the flavour-of-the-month card we have been waiting for! Daddy needs entertainment!

Re: SDFCU new 2% card

trant3 — Tue, 03 Apr 2018 02:24:35 GMT

2% cash back with $200 bonus AND cell phone protection, no FTF and EMV chip? Im in! Applied and went pending, EX pulled, will report back...

Re: SDFCU new 2% card

jacetx — Tue, 03 Apr 2018 02:26:24 GMT

@trant3wrote:
2% cash back with $200 bonus AND cell phone protection, no FTF and EMV chip? Im in! Applied and went pending, EX pulled, will report back...

That didn't take long Good luck!

Re: SDFCU new 2% card

JamP — Tue, 03 Apr 2018 02:34:29 GMT

Good Luck.

I just browsed over the requirements..

Visa Unsecured Credit Card

• Loan application

• Truth in Lending

• 2 most recent pay stubs (if self employed last two years tax returns

• Other info/docs requested by Loan Specialist

Need to be a member to apply - Various ways to join.

Anything else for anyone that is looking at this card?

Re: SDFCU new 2% card

Anonymous — Tue, 03 Apr 2018 02:39:40 GMT

They usually pull EX 2 mortgage score.

Re: SDFCU new 2% card

Namaste7 — Tue, 03 Apr 2018 02:41:49 GMT

Dang, dang, dang, dang and dang....

Just when I thought SDFCU was in the sockdrawer... I don't carry balances so the "rewards" Visa isn't really beneficial unless they are offering a promo BT. I wonder if they'll allow a PC.

Re: SDFCU new 2% card

NRB525 — Tue, 03 Apr 2018 02:44:22 GMT

Interesting.

I got a SDFCU Secured Card with $500 deposit nearly three years ago. Not because I had to but to verify that it could be done with no HP. I have been contemplating closing it because the regular CC is blah, and the payment system is challenging.

This I will have to look at. I am still not keen on a HP right now, even with the bonus but I wonder if I could do a PC. Doubtful, but I will call in a few weeks.

Re: SDFCU new 2% card

Shadowfactor — Tue, 03 Apr 2018 03:37:33 GMT

What kind of scores does SDFCU look for ?
New account sensitive ? Single collection sensitive ?

Re: SDFCU new 2% card

Anonymous — Tue, 03 Apr 2018 04:37:09 GMT

how do you know that?

EX2 Mortgage Score?

Re: SDFCU new 2% card

Anonymous — Tue, 03 Apr 2018 04:42:38 GMT

Mind you they dont just look at your scores?

They look at your ChexSys diligently and if you owe anything above $500 you can be approved for this credit card but there is no way you getting that credit card for without a savings account you have no credit card ploc or nothing.

They are also very sensitive to 4+ new accounts in 90 days & 4 inquires on EX or ChexSys.

Become a member first, join and then and then only apply for Credit Loans

Too much of a bad experience i had with SDFCU. couldn't give me a restricted membership allowing only a savings account.

Re: SDFCU new 2% card

Namaste7 — Tue, 03 Apr 2018 11:22:05 GMT

I agree that SDFCU is conservative and high income is preferred and well help to offset lower FICOs or limited credit history. I would also add that they value members who live or work in their service area. I definitely had more than 4+ inquiries and a good amount of new accounts, but not double digits, when I was approved for the rewards card (4 digit SCL).

Re: SDFCU new 2% card

digitek — Tue, 03 Apr 2018 16:31:50 GMT

This might win the 'best 2% card' category. I like that it has no FTF and cell phone protection, simple perks that put it above the rest of the 2% crowd IMO.

I also like that it is a big credit union.

Any drawbacks to this card besides the lender is a little conservative?

Re: SDFCU new 2% card

Anonymous — Tue, 03 Apr 2018 17:50:57 GMT

Extra benefit ... they will issue their credit cards with a primary chip and pin or issue a credit card with a primary signature and pin. You decide when signing up or can contact them and have a new card issued changing your selection.

Re: SDFCU new 2% card

simplynoir — Tue, 03 Apr 2018 18:11:55 GMT

@Anonymouswrote:
Extra benefit ... they will issue their credit cards with a primary chip and pin or issue a credit card with a primary signature and pin. You decide when signing up or can contact them and have a new card issued changing your selection.

Okay, you got my attention been looking and sifting around for a C+P card for awhile.

Re: SDFCU new 2% card

UpperNwGuy — Tue, 03 Apr 2018 18:31:32 GMT

@Anonymouswrote:
Extra benefit ... they will issue their credit cards with a primary chip and pin or issue a credit card with a primary signature and pin. You decide when signing up or can contact them and have a new card issued changing your selection.

Is this a recent change? Until recently only two US credit card issuers had primary chip+PIN: United Nations FCU and First Tech FCU. When did State Dept FCU join the club?

Re: SDFCU new 2% card

Namaste7 — Tue, 03 Apr 2018 18:45:16 GMT

Attempted PC via phone...no dice!!!

Will HUCA later this week.

Re: SDFCU new 2% card

Anonymous — Tue, 03 Apr 2018 20:21:28 GMT

@Anonymouswrote:
how do you know that?
EX2 Mortgage Score?

That's who they pulled when I applied.

Re: SDFCU new 2% card

Anonymous — Tue, 03 Apr 2018 22:46:56 GMT

How come I've never heard of this financial institution?

Re: SDFCU new 2% card

UpperNwGuy — Wed, 04 Apr 2018 02:39:55 GMT

@digitekwrote:
This might win the 'best 2% card' category. I like that it has no FTF and cell phone protection, simple perks that put it above the rest of the 2% crowd IMO.

I also like that it is a big credit union.

Any drawbacks to this card besides the lender is a little conservative?

Wait! State Department FCU is not a big credit union. It's not even in the top 100. Were you getting it mixed up with the State Employees FCU? State Department FCU's primary field of membership is employees of the US Department of State. State Employees FCU's primary field of membership is employees of the State of North Carolina.