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.
Student Loan: $4,636/$7,330
Student Loan: $3,354/$5,500
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.
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!
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..