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SDFCU - Credit Requirements and Info... CATCH?

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Creditaddict
Legendary Contributor
‎05-26-2013 04:04 PM
‎05-26-2013 04:04 PM

SDFCU - Credit Requirements and Info... CATCH?

Wanted to break off from the hi-jack I was doing on another thread....

 

The rates beat out Navy, and joining is a snap... Where is the catch that I have not seen yet???

 

Secure Card report to credit? Unsecure? What type of scores and what not they want to see? Not BK friendly or something???

Message 1 of 116
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115 REPLIES 115
LS2982
Mega Contributor
‎05-26-2013 04:12 PM
‎05-26-2013 04:12 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

@Creditaddict wrote:

Wanted to break off from the hi-jack I was doing on another thread....

 

The rates beat out Navy, and joining is a snap... Where is the catch that I have not seen yet???

 

Secure Card report to credit? Unsecure? What type of scores and what not they want to see? Not BK friendly or something???

I'm interested in this as well. Apparently Revelate knows alot about this card, hope he does chime in here! Smiley Happy



EQ FICO 548 3/3/16
Message 2 of 116
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kampfer09
Frequent Contributor
‎05-26-2013 04:41 PM
‎05-26-2013 04:41 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

Pretty low rate even for there CC 6.9 that's including secured CC.
Message 3 of 116
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tray
Valued Contributor
‎05-26-2013 05:24 PM
‎05-26-2013 05:24 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

I joined SDFCU a couple of months ago, and to tell you NO HARD PULL to join like other credit unions.  Also this cu has a chip and pin on the cc not chip and signature with a very low rate starting rate               

also if you want on their site you can get a chip and pin debit card but with this it is from a third party source.  Also for secured cc and loans there is no credit checks another big benefit....

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 4 of 116
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CreditJunkie917
Frequent Contributor
‎05-26-2013 05:32 PM
‎05-26-2013 05:32 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

I'm active duty military. I saw the list of organizations that you or your family can belong to in order to join. What about military personnel?

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Message 5 of 116
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kampfer09
Frequent Contributor
‎05-26-2013 05:50 PM
‎05-26-2013 05:50 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

You can join in even without your family. There a non profit organization which you can join just with that.
Message 6 of 116
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LS2982
Mega Contributor
‎05-26-2013 05:52 PM
‎05-26-2013 05:52 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

Does this card report to all 3 bureaus?



EQ FICO 548 3/3/16
Message 7 of 116
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kampfer09
Frequent Contributor
‎05-26-2013 05:54 PM
‎05-26-2013 05:54 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

All credit union report any loan to all the CB. I know because I use to work for one. I have schoolfirst cu and they report my CC to all three.
Message 8 of 116
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zyzzus
Established Contributor
‎05-26-2013 05:58 PM
‎05-26-2013 05:58 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

@tray wrote:

I joined SDFCU a couple of months ago, and to tell you NO HARD PULL to join like other credit unions.  Also this cu has a chip and pin on the cc not chip and signature with a very low rate starting rate               

also if you want on their site you can get a chip and pin debit card but with this it is from a third party source.  Also for secured cc and loans there is no credit checks another big benefit....

okay you have my interest.

 

I want to reach out to someone there to confirm this Smiley Happy

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 9 of 116
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tray
Valued Contributor
‎05-26-2013 06:00 PM
‎05-26-2013 06:00 PM

Re: SDFCU - Credit Requirements and Info... CATCH?

@zyzzus wrote:
@tray wrote:

I joined SDFCU a couple of months ago, and to tell you NO HARD PULL to join like other credit unions.  Also this cu has a chip and pin on the cc not chip and signature with a very low rate starting rate               

also if you want on their site you can get a chip and pin debit card but with this it is from a third party source.  Also for secured cc and loans there is no credit checks another big benefit....

okay you have my interest.

 

I want to reach out to someone there to confirm this Smiley Happy

Do you want the telephone number???

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 10 of 116
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