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Signature Federal Credit Union Visa

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New Contributor

Signature Federal Credit Union Visa

I came across this credit card from Signature FCU, which give 2% Cashback and very interesting perks at no annual fee:

https://www.signaturefcu.org/Products/Credit-Cards/Visa-Signature.aspx

 

Has anyone applied for this card? If so, could you share your data points and experience using th card?

 

AMEX Gold: NPSL | TD Cash: 10K | RBC Rewards: 25K | Citi Premier: 9.3K | Discover It: 3.4K | BCE: 0.5K | BHG World MC: 11K
Amazon Prime: 1.8K | Google: 1.5K
EX: 730 | EQ: 738 | TU: 741

Message 1 of 29
28 REPLIES 28
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Frequent Contributor

Re: Signature Federal Credit Union Visa

They almost got me with their high interest checking account. But then 1k monthly direct deposit and 10 debit card swipes.

Who uses a debit card any more, right?
2017-09-09 FICO 08: EQ 677, TU 640, EX 705
2020-02-07 FICO 08: TU 789
2020-02-10 FICO 08: EX 752

Gardening, mostly, again until... soon(I need to replace my car)

Message 2 of 29
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New Contributor

Re: Signature Federal Credit Union Visa

Most of the high yield interest accounts you can do an ACH push into the account and it'll qualify as a direct deposit. In addition the debit card purchases are quite easy, you can just go to the gas pump and do < $1 transactions X times ( depending on requirements). There are other creative methods as well for small transactions.

On the other hand, I've been interested in this card as well.... some of their card designs are interesting. Especially the bright yellow Student card. I might app for this one at some point.


Message 3 of 29
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Frequent Contributor

Re: Signature Federal Credit Union Visa

Only thing I can offer is that I applied for this card about a month ago. The app is still listed as "pending". At this time, I am in no hurry. Just curious to see how long it will take to get a response. Granted, my case might be "special". I had one app closed for only partially completing it and then ignored the multiple attempts by the reps to contact me about the SM I sent them.
Message 4 of 29
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Frequent Contributor

Re: Signature Federal Credit Union Visa


@minski wrote:
Only thing I can offer is that I applied for this card about a month ago. The app is still listed as "pending". At this time, I am in no hurry. Just curious to see how long it will take to get a response. Granted, my case might be "special". I had one app closed for only partially completing it and then ignored the multiple attempts by the reps to contact me about the SM I sent them.

Did you ever hear back from them? I joined in 2017 and got a LOC through them, and at the time, the only real info I got on reqs was they wanted a pretty low DTI ratio. I've been happy with them, and was considering getting the card, too!

Personal:

Business:



(TU Split File - FIXED!)
Message 5 of 29
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Super Contributor

Re: Signature Federal Credit Union Visa

Interesting... a 2% cashback NPSL card at 8.7% fixed!

 

Anyone can join as well (American Consumer Council). 

 

I imagine you need very high income for this one since their Platinum card is 8.9% with up to $25K limit. Smiley Surprised


Message 6 of 29
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Frequent Contributor

Re: Signature Federal Credit Union Visa

I decided to take advice from DoC and "be the DP [you] want to see" Smiley Wink I pulled the trigger last night. I unlocked EQ, but I don't see a HP alert yet - I'll be curious if they do one. When I got the LoC, I never did get a HP from them. It said a loan officer would contact me today, so fingers crossed! I'll update when I hear back from them...

Personal:

Business:



(TU Split File - FIXED!)
Message 7 of 29
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Super Contributor

Re: Signature Federal Credit Union Visa


@heyryan wrote:

I decided to take advice from DoC and "be the DP [you] want to see" Smiley Wink I pulled the trigger last night. I unlocked EQ, but I don't see a HP alert yet - I'll be curious if they do one. When I got the LoC, I never did get a HP from them. It said a loan officer would contact me today, so fingers crossed! I'll update when I hear back from them...


Good luck, definitely keep us posted! 


Message 8 of 29
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Valued Contributor

Re: Signature Federal Credit Union Visa

Good luck! Hope you get a ridiculous approval!
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current F8s ~730 Best Ever F8s ~775
TOTAL PERSONAL CL > $300k and TCL > $314k
Message 9 of 29
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Frequent Contributor

Re: Signature Federal Credit Union Visa

This is a really nice CC.  It has one heck of a benefits package, especially for a no AF card, and it is 2% cash back no FTF.  Good luck with it.

Message 10 of 29
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