State Department 2% CC questions

[NRB525]

I've had an eye on the SDFCU 2% card for years. 
It still has Chip+PIN available?

The lowest APR listed is 9.99%. Any datapoints about APR adjustment to move your rate lower, if one is assigned a higher rate initially?

What is the max CL people have seen with this card?

[TheFIGuy]

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@NRB525 wrote:

I've had an eye on the SDFCU 2% card for years. 
It still has Chip+PIN available?

The lowest APR listed is 9.99%. Any datapoints about APR adjustment to move your rate lower, if one is assigned a higher rate initially?

What is the max CL people have seen with this card?

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IIRC, Isn't SDFCU extremely conservative and POI heavy?

[coldfusion]

I understand that SFDCU no longer issues chip+pin priority cards.   (Andrews FCU doesn't either, in case your quest is to get a chip+pin priority card)

Most approvals I see are in the $5-10K range but I've also seen people reporting post-CLI limits of over $25K.  Can't speak to APR adjustments.

Note that they do tend to be inquiry-sensitive.

[MrT_521]

I got this card 2 years ago. SDFCU no longer offers the chip + PIN priority option. I started out with a $5,000 SL. After a year they automatically increased the limit to $9,000. A week or two ago, about 2 years after opening the card, they automatically gave me another $4k, increasing the limit to $13,000.

I got the 9.99% APR. It doesn't matter to me though because I don't carry a balance.

[NRB525]

Ok, no Chip+PIN, no real interest anymore. 
Will continue to keep my Diners Premier alive. 

[800wannabe420]

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@NRB525 wrote:

Ok, no Chip+PIN, no real interest anymore. 
Will continue to keep my Diners Premier alive. 

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@NRB525 

Randolph Brooks Federal Credit Union (RBFCU) has Cashback Rewards 2% on everything credit card that is chip and pin.  No FTC.   All Texas residents are eligible for membership.   There might be other ways to qualify although I don't know for certain. 

[TheFIGuy]

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@800wannabe420 wrote:

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@NRB525 wrote:

Ok, no Chip+PIN, no real interest anymore. 
Will continue to keep my Diners Premier alive. 

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@NRB525 

Randolph Brooks Federal Credit Union (RBFCU) has Cashback Rewards 2% on everything credit card that is chip and pin.  No FTC.   All Texas residents are eligible for membership.   There might be other ways to qualify although I don't know for certain. 

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@800wannabe420 If/when they switch over to VISA, the true "Chip & PIN" feature could go, could stay. @NRB525 If you want a little more details on RBFCU, I recommend taking a look at my recent posts. I recently detailed the credit reports they pull now from a letter they sent 

[MrT_521]

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@NRB525 wrote:

Ok, no Chip+PIN, no real interest anymore.

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The few credit unions who had cards with chip + PIN prioirty seem to be dropping it. Even if you get one now, who knows how long it will last?

Will continue to keep my Diners Premier alive. 

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Yes, this is probably your best solution.

[creditfan]

rbfcu is good chip+pin 2% card, however their website it's not user friendly and not up to date technology.

Target MC is another good chip+pin card

[minski]

I got this card in 2018 for the chip and PIN. I believe I received its lowest APR then at 11.24%. My SL was $15,000. Since then, with light and infrequent or even no use, I received several auto CLI. My current limit is $30,000 which is my highest limit at this time.