0 is not a valid response.
damn. The account rep I applied with didn't say anything about that. The last time negative information was reported on one of my accounts was 2.3 years ago. Looks like I could be doing the Orange-cash pre-paid route. That sucks. I did go in personally though and thought that I made a good impression... we'll see if that helps me.
EDIT: In fact, before I even applied I told the rep: "This is what my EQ and TU FICO scores are. Do you think I have a chance to be approved for a chip and pin card?" Rep didn't even blink and said, "Yes, of course".
Have you thought about getting their secured card as oppose to the Orange pre-paid? SDFCU secured card has the same benefits as their unsecured but their APR is 6.99%.
I asked about this and the secured card is not EMV chip and pin. But yes, I would be absolutley willing to secure $5000 at any bank if it got me a chip and pin card.
UPDATE: SDFCU approved my recon and counter-offered $5k, which I gladly accepted. 8.99%APR, $0 Annual Fee, 0% Foreign Transaction Fee, Awesome Rewards. This is, hands down, the best EMV card available in the United States today. I feel great that I got it! Woo hoo!