SDFCU - Credit Requirements and Info... CATCH?

[lhcole77]

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@mousefai wrote:

hi guys

some little thing wanna update u guys

ok, i talked to the assistant manager, he said the reason i was being approve for 1000 is because there is no credit score on my experian report. however, he will pull my equifax report and see my score.

lucky, it show a score on my equifax report he said is 790. 

then he said he would have the underwriter to look at it and request a higher limit since it is a good score.

however, he said he can eliminate the experian inquiry by sending experian a mail.

im now waiting for the new credit limit.

however, do any of u know why there is no score on experian report?

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Curious to know that the outcome of this was..........

[sweettea]

Bumping this topic up...

Curious if anyone who joined SDFCU have since app'ed for their card and what your experiences have been so far?

I just joined and had some issues at first where they wanted me to come in physically (I live no where near Virginia), but after a couple of calls, I got in touch with someone who was able to get my application accepted. I am looking to apply for the EMV card next year and wondering if I can expect problems with getting the EMV card (other than if my credit prohibits me).

Thanks in advance.

[Anonymous]

Also wondering about this CU.

When ever I attempt to join it redirects me to a website called Andrea?

Anyone else experiencing this?

Also, the link posted on a previous thread is now idicating $50 if you open a checking and use the card 10 times in 60 days. 

Offer ends August 31st Is this for next year, or an old offer?

Thanks in advance.

[lg8302ch]

Sent in membership application 3 days ago and now waiting on the results for membership only.  If accepted I will apply for their credit card in April 2014...but would of course also love to read experiences with this CU.

[09Lexie]

@SquareObsidian

Andera is a identity verification program. Alliant uses them as well. The $50 signup bonus was during the summer.

[Guyatthebeach]

So far I haven't had any real problems yet.  When I joined SDFCU in July, I opened a checking and saving account to get the bonus, as well as the Visa. I tried to apply online and there was a website problem. After  calling their call center, the agent was able to retrieve my application. She verified a few things and asked me for a copy of my driver's license, social security card, and 2 paystubs. The agent then emailed the paperwork as well as my account numbers. I went to my local credit union since they are a shared credit union member along with SDFCU. The agent told me that SDFCU's credit & loan department, called Lending Solutions, would review my application for the credit card.

Initially it was declined due to my bankruptcy. I reconned through Lending Solutions. I had to basically email a brief statement about my bankruptcy and a month's worth of paystubs. I was approved for $10000 at 8.9%. Í was shocked and happy, 8.9 isn't 6.9%, but it is the lowested APR I have yet.

A friend of mine has his car loan with them and is paying 1.9 for 60 months.

I just got my $50.00 bonus today. I like the credit union and plan on using their services forever.