SDFCU Application info

[gibeon]

I've applied for the regular card twice. I think around 6 and 12 months in. I'm now at 16 months, but won't app again until I'm at 24.

I've been adding close to an average of three new accounts/cards per month since February 2015, so I need to take a rest for a few months... or maybe a few years and get my AAoA back up and let the inqs age off.

[lhcole77]

FWIW  before I joined in June 2013 I had read on here that they sometimes offer targeted offers on credit cards. 

True to form I received a targeted offer in the mail in June 2014 and waited to apply until then. Instant approval.

For those who really want this card I recommend switching to a long-term strategy. It paid off for me. 

[Stryder]

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@lhcole77 wrote:

FWIW  before I joined in June 2013 I had read on here that they sometimes offer targeted offers on credit cards. 

True to form I received a targeted offer in the mail in June 2014 and waited to apply until then. Instant approval.

For those who really want this card I recommend switching to a long-term strategy. It paid off for me. 

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So you joined with a savings? Checking? account, then they made you an offer a year later..... that could work. I really would like to have their card.

I am actually thinking about getting a PLOC at my credit union to cover any emergency's and have another install account...they have rates down to 8.74%, their cards go down to 6.9%... (JSCFCU)... I just like the idea of having a card from the State Departments CU.

[lhcole77]

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@Stryder wrote:

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So you joined with a savings? Checking? account, then they made you an offer a year later..... that could work. I really would like to have their card.

I am actually thinking about getting a PLOC at my credit union to cover any emergency's and have another install account...they have rates down to 8.74%, their cards go down to 6.9%... (JSCFCU)... I just like the idea of having a card from the State Departments CU.

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Joined with both savings and checking. 

[Stryder]

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@lhcole77 wrote:

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@Stryder wrote:

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So you joined with a savings? Checking? account, then they made you an offer a year later..... that could work. I really would like to have their card.

I am actually thinking about getting a PLOC at my credit union to cover any emergency's and have another install account...they have rates down to 8.74%, their cards go down to 6.9%... (JSCFCU)... I just like the idea of having a card from the State Departments CU.

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Joined with both savings and checking. 

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Thanks Ihcole77!

 I am actually thinking a PLOC might suite my needs better than doing a revolving BT card where the util is a lot finickier than a loan. Is it harder to get than a cc? They have good rates at my CU and it sorta works like a Revolving right? I think I will start another post with this question because I am getting off topic...Im hijacking my own thread....lol

[lhcole77]

Most PLOCs report as revolving. Just FYI. 

I'm not sure which is easier to get. I recommend applying for the one that you want.

[Stryder]

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@lhcole77 wrote:

Most PLOCs report as revolving. Just FYI. 

I'm not sure which is easier to get. I recommend applying for the one that you want.

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???? So whats the difference? Why go for a PLOC over their card?

[lhcole77]

Choice comes down to which offers lower APRs and higher CLs.

[Anonymous]

I joined SDFCU 18 months ago. I love um. While it was some leg work and definitely not quick, once you're in, they want your business. I opened a CHE & SAV, and got their 6.99% Visa Rewards Card. Since than I've taken out a used auto loan (20K @ 2.99% APR, and two installment loans at 6.99%. Once your in, getting other loans approved is so damm quick and easy. The used car loan was incredibly fast and easy. One 5 minute phone call and I had a blank check two day's later, good for up to 30K, to be used at any dealer or private seller for 1.99% new or 2.99% used car. I love SDFCU and plan to get my next mortgage thru um.