SDFCU?

[calyx]

I'm gardening now, but have a question for the future re: SDFCU

Does anyone know if going into an SDFCU branch yields better results re: credit card applications/preapprovals like Chase or other banks?   I am not in the immediate area, but I go up to MD/VA/DC often enough that it's not a hardship if it would generate better results.   

And yes, I'm already a member.

[CreditInspired]

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@calyx wrote:

I'm gardening now, but have a question for the future re: SDFCU

Does anyone know if going into an SDFCU branch yields better results re: credit card applications/preapprovals like Chase or other banks?   I am not in the immediate area, but I go up to MD/VA/DC often enough that it's not a hardship if it would generate better results.   

And yes, I'm already a member.

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It depends on whether you have a banking relationship with them; and whether in branch or online, your credit profile is still paramount. How are your DPs?

EDIT: Oops just saw you’re a member. So how is your credit profile?

[calyx]

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@CreditInspired wrote:

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@calyx wrote:

I'm gardening now, but have a question for the future re: SDFCU

Does anyone know if going into an SDFCU branch yields better results re: credit card applications/preapprovals like Chase or other banks?   I am not in the immediate area, but I go up to MD/VA/DC often enough that it's not a hardship if it would generate better results.   

And yes, I'm already a member.

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It depends on whether you have a banking relationship with them; and whether in branch or online, your credit profile is still paramount. How are your DPs?

EDIT: Oops just saw you’re a member. So how is your credit profile?

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For SDFCU - not great from what I've been reading.

Clean, but young (I wasn't pulling scores until next month; major derogs fell off of EQ this month, so it should be in line with the others).
I have 9 or 10 tradelines - 2 installment (student loan, auto loan); 7 revolving lines; 1 AU.
I know I have too many inquiries (gardening!) at  5/5/4 (12m, 9/7/5 over 24m).    Most of the <12m will be 1 year in September/October or March of next year.  Most of the >12/<24 fall off in January.   Most of my cards were double pulls, so they fall off in batches.
Adequate income; good DTI.
I don't plan on apping any time soon, but I was wondering if in-person apping would make any difference with them.

Right now, I only have savings that I deposit monthly with them.  Not a lot, because their savings rate is crappy and I have high yield accounts elsewhere.    If it helps in the future, I can move money into their certificates, too, since those rates seem to be comparable to other institutions I have money in and I have enough regular savings that having not-quite-so-liquid savings isn't a hardship.

[FinStar]

From what I recall in a thread buried from several years ago, in-person applications only speed up the process from an ID verification standpoint or if you have any required docs they might need, but would not necessarily provide any UW advantage than if it were submitted online if you're already an existing member. They're known to be very conservative.

[calyx]

That's what I thought, but I was hoping to be wrong (re: no advantage)

I know they're pretty conservative, so I will just bide my time (maybe).

Then again, maybe in the future if/when I get around to apping, they will have changed their mind and don't want someone potentially wailing in dejection in their lobby, hah.

[Anonymous]

Must wear pimp suit when applying in person. Reply back with results. 😂

[calyx]

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@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂

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If it would get me the approval, I'd be in for it.

[CreditInspired]

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@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂

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Too funny. OMG I just knew this was @AverageJoesCredit post. Okay, so now we have another commedian in the house. I’m loving it. 😂😁😆

[CreditInspired]

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@calyx wrote:

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@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂

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If it would get me the approval, I'd be in for it.

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For a great SL, heels of shoes must have goldfish—live goldfish 😂🤣

[FinStar]

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@CreditInspired wrote:

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@calyx wrote:

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@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂

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If it would get me the approval, I'd be in for it.

---

For a great SL, heels of shoes must have goldfish—live goldfish 😂🤣

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Good one @CreditInspired