topic Re: sdfcu emv visa app in Credit Cards

sdfcu emv visa app

brindle26 — Tue, 04 Mar 2014 13:42:27 GMT

Yesterday I applied for this card and as yet have not heard from them. This morning I checked my inquiries and see one from sdfcu for a business account. What's with this cu? Are these normal responses?

Re: sdfcu emv visa app

09Lexie — Tue, 04 Mar 2014 20:15:50 GMT

@brindle26 wrote:
Yesterday I applied for this card and as yet have not heard from them. This morning I checked my inquiries and see one from sdfcu for a business account. What's with this cu? Are these normal responses?

Are you a member?

Re: sdfcu emv visa app

brindle26 — Tue, 04 Mar 2014 20:58:35 GMT

Yes

Re: sdfcu emv visa app

lhcole77 — Tue, 04 Mar 2014 22:57:04 GMT

@brindle26 wrote:
Yesterday I applied for this card and as yet have not heard from them. This morning I checked my inquiries and see one from sdfcu for a business account. What's with this cu? Are these normal responses?

From what I have read on here SDFCU hasn't really given instant approvals. Processing time may take a few days.

I've always had great success emailing them or calling them when I have had questions. Might work for you too. =)

Re: sdfcu emv visa app

brindle26 — Wed, 05 Mar 2014 01:17:03 GMT

Received documents to sign today.

Re: sdfcu emv visa app

lhcole77 — Wed, 05 Mar 2014 01:21:16 GMT

@brindle26 wrote:
Received documents to sign today.

Brilliant!

Mind sharing what your profile looks like? They told me that a 720 EX FICO can yield besy terms.

Re: sdfcu emv visa app

brindle26 — Wed, 05 Mar 2014 01:29:33 GMT

EX 694 Lender pull

7 inquiries past year

3 new card this year

oldest account 24 years

1 % utility

1 collection I pay on every month (midland)

1 derog

Re: sdfcu emv visa app

lhcole77 — Wed, 05 Mar 2014 02:02:59 GMT

Thanks! Excellent UTL. I'm planning to app in June or July.

Re: sdfcu emv visa app

brindle26 — Thu, 06 Mar 2014 15:26:31 GMT

Seems to me like they are dragging their feet. If I don't hear anything today I'll e-mail them.

Re: sdfcu emv visa app

lhcole77 — Thu, 06 Mar 2014 16:24:27 GMT

Good thinking. From what I've heard the process takes a little longer but can definitely be worth the wait.

Re: sdfcu emv visa app

brindle26 — Fri, 07 Mar 2014 11:30:24 GMT

A loan specialist called yesterday and left a voice mail. I included my wife's income but did not include her on the app. They want to know if I want her also to be liable.

That would be fine but her scores are around 635 and that's troublesome. I do not want to waste a HP.

Re: sdfcu emv visa app

Anonymous — Fri, 07 Mar 2014 14:48:41 GMT

I applied and never heard a thing for days and then I was emailed stating that my ID couldn't be verified.

Re: sdfcu emv visa app

brindle26 — Fri, 07 Mar 2014 15:04:00 GMT

I called this morning, had to leave a voice mail for the loan specialist I've been dealing with. An hour later no phone call or e-mail. Seem atipical to me.

Re: sdfcu emv visa app

DaveSignal — Fri, 07 Mar 2014 15:08:57 GMT

It took me awhile to get as well. I had the advantage of living within walking distance of the main office, so I frequently stopped in to make sure I got the card. The initial decision was to decline. The recon takes a long time too, and is required to be on paper. But I then got approved for $5k. They are certainly not crazy to give out credit like NFCU, but if you are patient and persistent you can get it. The process of asking for CLIs is also longer than I have experienced with other institutions and also requires signed paper documents.

Re: sdfcu emv visa app

JLK93 — Fri, 07 Mar 2014 15:18:21 GMT

@brindle26 wrote:
I called this morning, had to leave a voice mail for the loan specialist I've been dealing with. An hour later no phone call or e-mail. Seem atipical to me.

It's not atipical at all. You have to be patient with SDFCU or you will get frustrated. Also, some people at SDFCU are much more competent than others.

Re: sdfcu emv visa app

brindle26 — Fri, 07 Mar 2014 15:27:43 GMT

I'm pleased with the loan officer I'm dealing with.

Re: sdfcu emv visa app

brindle26 — Fri, 07 Mar 2014 15:42:56 GMT

Here's their reply "We will have a decision for you 24 to 48 hours"

Re: sdfcu emv visa app

lhcole77 — Fri, 07 Mar 2014 19:17:18 GMT

@brindle26 wrote:
Here's their reply "We will have a decision for you 24 to 48 hours"

Perfect. Good luck! If you don't mind me asking, how much did you ask for?

Re: sdfcu emv visa app

brindle26 — Fri, 07 Mar 2014 19:32:16 GMT

$6,500.00

Re: sdfcu emv visa app

brindle26 — Sat, 08 Mar 2014 19:43:00 GMT

I got a credit score 671 EX today from sdfcu. Is this encouraging or should nothing be read into it?