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I applied for and was approved for the SDFCU Premium Cash Back+.
I joined SDFCU in December with both a checking and a savings account. I had not used the accounts, but in February I deposited about $45, I deposited $100 in March, about $1,000 in April, and about $300 in May. I had a little over $1,500 on deposit with them at the time of my application. I also used my debit card a few times online in May.
I have one full-time and one part-time job. When I applied I submitted the last two pay stubs from both of my jobs, a copy of my driver's license, SS card, and Spectrum bill.
My annual income is $30,000. On one of the documents that they e-mailed me, it showed my income as $56,000 annually. I messaged them saying I had no idea how that happened, but that is NOT what I had put down and that my annual income is only $30,000. I also called into the credit union. The person I talked with said that they know I did not put that amount on the application, and that they got it from my credit report. She also said that they could not consider the income from my part-time job, since the pay stubs are handwritten.
Data points:
0 derogs
Open Accounts:
Student Loan: $4,636/$7,330
Student Loan: $3,354/$5,500
Discover: $488/$20,000
Wells Fargo: $0/$3,800
Chase Freedom: $0/4500
AAoA was about 10 years.
AoOA was about 20 years.
AoYA was a little over 7 months
SDFCU lists my Experian (VER.2) score at the time of application as 795.
I was worried about not getting approved since the minimum CL is $5,000 and they are a known conservative lender, but I was approved for a $20,000 CL!
I'm so excited! This is one of the few 2% cash back cards that is a Visa card. That means I will be able to use it at Costco, and I won't have to wait until every February to get the cash back. I have already redeemed some of the cash back as a statement credit.
$20,000 CL - Sweet!
Congratulations and Have A Happy & Safe 4th of July.
ZZWW2017 great approval! Also, was informed they were tough to get approved with so you accomplished a lot. Would like the card you obtained as it is a solid 2% with the Visa Signature benefits (if needed). Feel good about your score!
Congrats on the approval and awesome SL!
🎉CONGRATULATIONS 🎉
That’s an awesome SL especially from SDFCU especially given your income. I’m hoping mine will grow to 20k!!!
Excelent Congrats on your awesome approval!!
Congrats on the approval and nice SL..