SDFCU Application Process ???

[Anonymous]

So I read on these forums how SDFCU pulls EX strictly for their credit cards. So I joined, opening up a basic checking & savings account using ACC (American Consumer Council) as the qualification. No problem. I than decided to apply for their unsecured VISA card, which in my opinion, has some incredible terms, including 6.9% APR for both purchases and cash advances and No AF. I filled out their application requesting 15K CL. This morning I received an email stating:

"Thank you for applying with State Department Federal Credit Union. We are glad that you chose SDFCU for your lending needs; however we must regretfully inform you that your online application HAS NOT been completed."

So I replied back with the ref # they gave me and than received another email to sign a document via DocUsign website. It showed my EX FICO2 score of 790 and basically a truth in lending form with their terms, 15K CL, 6.9% APR, etc..... So I signed using my finger and sent it back. Got a response stating they received it and no other doc's are remaining.
Does this mean I definitely was approved or is this just part of what they do prior to an approval or sending it to underwriting ??? Anyone else have experience with SDFCU ??? I'm hoping this means I was approved and with a 15K CL at 6.9% APR. Thanks.

[Anonymous]

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@Anonymous wrote:
So I read on these forums how SDFCU pulls EX strictly for their credit cards. So I joined, opening up a basic checking & savings account using ACC (American Consumer Council) as the qualification. No problem. I than decided to apply for their unsecured VISA card, which in my opinion, has some incredible terms, including 6.9% APR for both purchases and cash advances and No AF. I filled out their application requesting 15K CL. This morning I received an email stating:

"Thank you for applying with State Department Federal Credit Union. We are glad that you chose SDFCU for your lending needs; however we must regretfully inform you that your online application HAS NOT been completed."

So I replied back with the ref # they gave me and than received another email to sign a document via DocUsign website. It showed my EX FICO2 score of 790 and basically a truth in lending form with their terms, 15K CL, 6.9% APR, etc..... So I signed using my finger and sent it back. Got a response stating they received it and no other doc's are remaining.
Does this mean I definitely was approved or is this just part of what they do prior to an approval or sending it to underwriting ??? Anyone else have experience with SDFCU ??? I'm hoping this means I was approved and with a 15K CL at 6.9% APR. Thanks.

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You're approved but but most credit unions will still have an underwriter look at it.  I'm sure it will go thru.  Once they have you sign those docusign firms, it's pretty much all over other then mailing out your card.  Congrats!.  Great APR

[Anonymous]

Oh that's awesome. I started rebuilding my credit this past Jan as I hadn't used ANY credit in about 7 years since my CH 7. I couldn't get any unsecured cards (besides Credit One), so I got secured WF, USB, USAA Amex. Cap One gave me a 5K QS ten day's ago, while being declined by Discover, Barclays, and BOA. My EX score is alot higher than my TU or EQ so I'm trying to only apply to banks that generally use EX. So if I do indeed have this SDFCU, it'll be my 2nd unsecured card. I was thinking about trying for Amex as I've read they pull EX primarily, but I have 6 recent inquiries and I really hate to use a HP for a decline. Suggestions ??? Thanks.

[B335is]

Congrats on getting in with SDFCU!! I'd go for Amex if your EX is 790. They're probably the least sensitive to inquiries.

[Anonymous]

Generally speaking with Amex: is it any harder to get one of their charge cards (Green, Gold, Gold Rewards, Plat) or one of their credit cards (Blue Cash, Everyday, etc...) ??? Any chance of apping for one of each the same day with 1 HP ??? If so, how, online or phone ??? Thanks !!

[Anonymous]

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@Anonymous wrote:
Generally speaking with Amex: is it any harder to get one of their charge cards (Green, Gold, Gold Rewards, Plat) or one of their credit cards (Blue Cash, Everyday, etc...) ??? Any chance of apping for one of each the same day with 1 HP ??? If so, how, online or phone ??? Thanks !!

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Generally the revolvers are harder to get then the charge cards.  If you do it, go for both by applying for charge card then the revolver.  The three charge cards have the same underwriting criteria so choose one that fits your needs and look for available offers out there.  Apply online as there is no difference.  Good chance that it will be one HP

[revjamesl]

Congrats.

[Anonymous]

Just so I understand correctly: charge cards are the monthly pay in full, Green, Gold, Plat, while revolvers are in fact used like a VISA/MASTERCARD with min payment each month, correct ??? And it's easier to get the charge cards (Green, Gold, Plat) than the revolvers, generally speaking ?? Thanks !!

[Anonymous]

Welp applied for Gold Rewards. Got the "pending we will notify you once we are done etc.....". My EX is 790, EQ 720, but my TU is the "low hanging fruit on the vine" at 660. If they pull TU, I'm sure I'll be declined. I've got 2 open judgements from 5 year's ago I'm working on trying to get vacated and my CH 7 from 2007 all on TU. My income is 125K with 1% UTI. I'm just hoping I put the income in correctly as it stated no periods or symbols. I put in: 125000 Not sure I should've put in: 12500000
I'm anticipating the same DSC, BOA, BARKLEY, decline. Damm.

[rlx01]

You might get a surprise approval email.

Check the application status site.