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State Department FCU Application

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State Department FCU Application

App'd for an Account with SDFCU on line and got the 'thank you for applying we will review your application' page after I completed the app.

I initially went to see if I could qualify for the secured CC they offer but wanted to become a member also so I did both.

After a couple hours I decided to check my status so I went to the SDFCU site (since they never sent me an email) and used the "check application status" button.

Entered the info they asked for and hit "submit"
INSTANT APPROVED for $2000.00 CC
But
REFERRED for Account.
Crazy... but I'll take it! (I'll call them Monday to get a solid confirmation on the CC) and ask what else is needed for the opening of an Account.

I'll keep you posted, I started this topic because finding info on CCs and approval scenarios with SDFCU is kinda tough here and not as talked about as other CUs.


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Current Score: EX 551|TU 565|EQ 556
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Message 1 of 19
18 REPLIES 18
Community Leader
Super Contributor

Re: State Department FCU INSTANT APPROVED

Congrats! Be aware SDFCU gives conditional approvals, which can be misleading.
Their apps are 100% manually reviewed, unless something has changed.
Hopefully your approval sticks.
Good luck!
Message 2 of 19
Highlighted
Frequent Contributor

Re: State Department FCU INSTANT APPROVED

Exactly! That's the tricky part of all this - and it doesn't help that today is Friday... we will see. If the $2k doesn't end up going through I'll try a recon for the Secured Product like I originally app'd for.

Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


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Message 3 of 19
Moderator

Re: State Department FCU INSTANT APPROVED


@HindSight_20_20 wrote:
Exactly! That's the tricky part of all this - and it doesn't help that today is Friday... we will see. If the $2k doesn't end up going through I'll try a recon for the Secured Product like I originally app'd for.

Hi @HindSight_20_20, I've removed your duplicate thread.  Please avoid cross-posting in the future; it's confusing to follow and is against the guidelines here.

 

I've also updated the subject on this thread to reflect that the topic is still an application at this point, since you're not yet certain of the approval.  When you know for certain it can be updated again.

 

--UB

Message 4 of 19
Frequent Contributor

Re: State Department FCU INSTANT APPROVED

Ahh got it! Smiley Wink 

Thanks for cleaning it up.


Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


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Message 5 of 19
Regular Contributor

Re: State Department FCU Application

I’ve been in this identical situation very recently. I apped for the SDFCU secured CC and the page displayed “ instant approved 2k”, on a Friday. Monday morning the status updated to pending and ultimately led to a decline.

Hopefully your approval sticks, GL! It does say on the app status page that “any approvals are subject to a final review”. So I suggest you remain very skeptical until monday.
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Message 6 of 19
Frequent Contributor

Re: State Department FCU Application

@biglista88,
I know (I was pulling for you while reading your experience with SDFCU) before I posted this thread.

Hopefully 2019 finds them willing to do make history 😉 . If not I'm ready to keep them on the phone until I get that secured CC like I wanted in the 1st place. I'll let you know how it goes.

Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


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Message 7 of 19
Regular Contributor

Re: State Department FCU Application

Just getting the secured would be a good deal.I look forward to reading your updates. Best of luck.
REBUILD STARTED 10/27/18


SCORES 5/2/19


“Breathing new life into a dead credit file”
Message 8 of 19
Regular Contributor

Re: State Department FCU Application

Good luck!

 

My experience: I sent in my membership application (just that, not CC app) by snail mail back in April because their site didn't support "state" code MP (Northern Mariana Islands), and never heard back. I think there were probably too many recent Chex pulls on my file as I was on a CU membership application spree at the time. Hopefully I'll be able to get my foot in the door this year.

 

Please tell us how your app goes!


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Message 9 of 19
Frequent Contributor

Re: State Department FCU Application

*UPDATE*

So Saturday afternoon my [SDFCU CC app] went from IA to 'Pending' (not surprised at all) as others have stated.

 

My [Account app] is still in the 'Refferred' status.

 

I just want the darn Secured Card! lol (fingers crossed)

 

I'll let you all know how it goes as I suspect the SDFCU UW's will be all over the weekend apps when they arrive to the office. Smiley Indifferent

 

 


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Current Score: EX 551|TU 565|EQ 556
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Message 10 of 19
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