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.
@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.
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?
@CreditInspired wrote:
@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.
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?
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.
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 wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂
If it would get me the approval, I'd be in for it.
@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂
Too funny. OMG I just knew this was @AverageJoesCredit post. Okay, so now we have another commedian in the house. I’m loving it. 😂😁😆
@calyx wrote:
@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂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 😂🤣
@CreditInspired wrote:
@calyx wrote:
@Anonymous wrote:
Must wear pimp suit when applying in person. Reply back with results. 😂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 😂🤣
Good one @CreditInspired