I got this card recently.
I applied for membership end of July and got accepted. They sent me some paperwork but not the usually bunch of introductory packet I was expecting. I felt kind of directionless and didn't even know where to find my account number until I inspected the few papers they sent me by mail more closely. In this case, I felt that they were lacking in organization and in welcoming a new member compared to several other credit unions I am a member with.
End of September (on the 30th) I applied for the credit card. My last app was Oct 2017. I had at least one inquiry on EX for a credit union membership. SDFCU pulled EX for credit card application. My FICO 8 scores were in 780s and FICO 9 scores in 790s. I think SDFCU pulls EX v2? I was 757. I have a clean report. Approximately 5% total utilization. First week of October I got Docu-Sign emails. I thought it was in bad taste to send a Docu-Sign email for credit insurance when I never asked for it. I didn't sign that and they ended up voiding that Docu-Sign. I was approved for the lowest APR with SL $15,000. Card arrived in 1-2 weeks (I wasn't counting).
Online banking - I like the interface so far. Not doing much because I don't do my banking with them.
Customer Service - I believe I had only one telephone interaction with them. They seemed pleasant enough.
Cash back - I received only one statement so far. I have no idea where the total cash back amount is, either on the paper statement I received or online. I have no idea how to redeem the cash back. So, if anyone else knows, I'd appreciate it!
PIN - I chose the PIN priority version. I have fun inputting the PIN when asked. lol. Sometimes they don't ask for either PIN or signature, though.
I am currently working on the $3000 spend in 3 months for the small bonus they are offering.
