topic Re: State Department 2% CC questions in Credit Cards

State Department 2% CC questions

NRB525 — Thu, 02 Jun 2022 07:55:06 GMT

I've had an eye on the SDFCU 2% card for years.
It still has Chip+PIN available?

The lowest APR listed is 9.99%. Any datapoints about APR adjustment to move your rate lower, if one is assigned a higher rate initially?

What is the max CL people have seen with this card?

Re: State Department 2% CC questions

TheFIGuy — Thu, 02 Jun 2022 08:22:29 GMT

@NRB525 wrote:
I've had an eye on the SDFCU 2% card for years.
It still has Chip+PIN available?
The lowest APR listed is 9.99%. Any datapoints about APR adjustment to move your rate lower, if one is assigned a higher rate initially?
What is the max CL people have seen with this card?

IIRC, Isn't SDFCU extremely conservative and POI heavy?

Re: State Department 2% CC questions

coldfusion — Thu, 02 Jun 2022 12:49:58 GMT

I understand that SFDCU no longer issues chip+pin priority cards. (Andrews FCU doesn't either, in case your quest is to get a chip+pin priority card)

Most approvals I see are in the $5-10K range but I've also seen people reporting post-CLI limits of over $25K. Can't speak to APR adjustments.

Note that they do tend to be inquiry-sensitive.

Re: State Department 2% CC questions

MrT_521 — Thu, 02 Jun 2022 17:40:09 GMT

I got this card 2 years ago. SDFCU no longer offers the chip + PIN priority option. I started out with a $5,000 SL. After a year they automatically increased the limit to $9,000. A week or two ago, about 2 years after opening the card, they automatically gave me another $4k, increasing the limit to $13,000.

I got the 9.99% APR. It doesn't matter to me though because I don't carry a balance.

Re: State Department 2% CC questions

NRB525 — Thu, 02 Jun 2022 19:26:46 GMT

Ok, no Chip+PIN, no real interest anymore.
Will continue to keep my Diners Premier alive.

Re: State Department 2% CC questions

800wannabe420 — Thu, 02 Jun 2022 20:22:46 GMT

@NRB525 wrote:
Ok, no Chip+PIN, no real interest anymore.
Will continue to keep my Diners Premier alive.

@NRB525

Randolph Brooks Federal Credit Union (RBFCU) has Cashback Rewards 2% on everything credit card that is chip and pin. No FTC. All Texas residents are eligible for membership. There might be other ways to qualify although I don't know for certain.

Re: State Department 2% CC questions

TheFIGuy — Fri, 03 Jun 2022 02:21:43 GMT

@800wannabe420 wrote:
@NRB525 wrote:
Ok, no Chip+PIN, no real interest anymore.
Will continue to keep my Diners Premier alive.

@NRB525
Randolph Brooks Federal Credit Union (RBFCU) has Cashback Rewards 2% on everything credit card that is chip and pin. No FTC. All Texas residents are eligible for membership. There might be other ways to qualify although I don't know for certain.

@800wannabe420 If/when they switch over to VISA, the true "Chip & PIN" feature could go, could stay. @NRB525 If you want a little more details on RBFCU, I recommend taking a look at my recent posts. I recently detailed the credit reports they pull now from a letter they sent

Re: State Department 2% CC questions

MrT_521 — Fri, 03 Jun 2022 15:52:09 GMT

@NRB525 wrote:
Ok, no Chip+PIN, no real interest anymore.

The few credit unions who had cards with chip + PIN prioirty seem to be dropping it. Even if you get one now, who knows how long it will last?

Will continue to keep my Diners Premier alive.

Yes, this is probably your best solution.

Re: State Department 2% CC questions

creditfan — Sat, 04 Jun 2022 01:06:10 GMT

rbfcu is good chip+pin 2% card, however their website it's not user friendly and not up to date technology.

Target MC is another good chip+pin card

Re: State Department 2% CC questions

minski — Sat, 04 Jun 2022 15:10:58 GMT

I got this card in 2018 for the chip and PIN. I believe I received its lowest APR then at 11.24%. My SL was $15,000. Since then, with light and infrequent or even no use, I received several auto CLI. My current limit is $30,000 which is my highest limit at this time.

Re: State Department 2% CC questions

digitek — Sat, 04 Jun 2022 15:30:01 GMT

SDFCU does auto CLI once a year, I think I've gone $7.5k, $12.5k, $17.5k. They are really conservative and require POI. When I got the card it was pretty good no AF 2% card with Chip+PIN, but has been overshadowed for the last 2 years and hardly gets any spend. I think they dropped Chip+PIN when their cards went contactless. Their tech is kind of old school, but they do have good rates on all their loan products.

I picked up First Tech Odyssey card to replace Chip+PIN, but not sure how long it will be around, contactless seems to the newer alternative.