Search the Community

I was rummaging through Amazon credit card marketplace and saw an offer for a $50 Amazon gift card for applying/getting approved for the SDFCU EMV Visa card. So, after thinking about it for a minute or a day I can't remember which, I applied. I was already a member of the American Consumer Council so that was my way in. This is how it played out...so far. Applied yesterday morning Yesterday afternoon received 3 emails from SDFCU/Docusign that I needed to sign. Opened those up, they included the CC app, membership app, rate disclosure (11.99%), risk disclosure (stating I received this because although I was approved I didn't get the best rate), EXP score, letter stating they looked forward to serving me, yada yada yada, request for POI and whether I'd like card security on the card. So I called member services and they said in order to complete the process I needed to fill out a member app, and I said ok, well there was one included in all the stuff I signed and he said well that could take a few days, he could do it over the phone and then notify the loan officer that was completed. So I said sure, filled out one over the phone, he sent me another membership app to sign and now that shows pending. Has anyone had a similar experience with SDFCU? I'm assuming I was approved since they gave me my rate, gave me the letter stating although I was approved it wasn't for the best rate and said I just had to join in order to finish up the process, but I'm leery. All this for a $50 Amazon gift card LOL!

Happy Holidays! Could someone please "PM" me a Chase Palladium Application? Thank you so much! - Nicole

Hello, I was applying for membership into Logix Credit Union and I believe I answered one of the security questions incorrectly (that's then the application process abruptly stopped at least) - the current status shows "Referred". Anyone know how that's typically handled by them? I loved the question that fouled things up- "What color is the car purchased in 2012" - Silver, Gray, Red, Blue - it apparently wanted gray but it's titled as silver so no idea. Thanks!

Hi, guys, So my CRs are all newly clean, and I decided to pull the trigger and apply for Chase Freedom today. My file is thin – one Cap1 secured w/$351 limit reporting since November; 1 DCU Visa with $7500 limit reporting since last month; one DCU car loan, also new; and my Chase auto loan that was just paid off. One inquiry on my EX in the last year. That’s it. No negatives on my file. I just had two awful public records removed and I'm happy about that. I checked my FICO EX before the app and it was 738 so I felt good about my chances. I app and get the dreaded 10-day wait message. Is that a likely denial? Should I wait until I hear from them to try reconning? I called their application status number right after and the woman I talked with told me they had up to 30 days to respond to me so I decided not to push. I’m a little disappointed ‘cause I thought this would be a great card to help me rebuild and relatively easy to get, but I guess that’s not the case. Any advice? Thanks.

We sent an email to the e-mail address provided here in the forums to get the JCPenny appliation sent to us with no reply weeks ago. Does anyone have the phone number to all and request. Only one i see in the forums no longer works. Appreciate anyone's assistance in advance.

Do mortgage brokers "shotgun" your application similar to applying for an auto loan? I'm getting ready to obtain a preapproval and I don't want my reports littered with inquires. Is applying directly with a preferred lender a better bet? What are the true advantages of using a mortgage broker? Thanks!

I would assume that higher income means greater opportunity for credit, higher limits, etc. Other factors matter too, of course. My reason for asking is my GF has had a pretty meteoric rise in income the last 5 years, going from around $40K to just shy of $100K. My question is, how do creditors KNOW that other than you entering the information on applications? How would current creditors know so they might consider CLIs? Is this sort of like a tree falling in the forest, if no one knows or hears, does it really make a difference? Thanks!

I have a letter from American Express that is 10 months old confirming that I was a victim of identity theft and that AmEx has taken "all necessary steps to close the account and remove any and all derogatory information regarding this American Express account from your credit bureau report." Nothing shows up from them on my credit report anyway. I have excellent credit. Apparently someone charged thousands of dollars to an account under my name 10 years ago, but even Amex acknowledges this was theft and not my fault. A year or so ago I applied for an American Express card, and I was denied, and they said on the phone this was because of a "previously delinquent account." I asked for an exception to be made due to this not being my account. They asked me to submit the letter that they sent me. I said, you mean you want ME to submit a letter to YOU, that YOU wrote? You're not organized enough to know that you sent me a letter? They said we can see on the computer that your identity was stolen and that this fraudulent account was not you and we can see we sent you a letter confirming that, but we would still like to see the letter we sent. I can't believe I want to do business with this company. What a disaster?! I can just see having to deal with their customer service being a complete nightmare for even a simple thing. What nerve to make me do work for Amex, like excuse me am I getting a salary for Amex? Do you want me to clean the Amex bathrooms too? Anyway, I would like still to try out having an American Express card. So I sent them the letter they wrote as they requested. I got another rejection. This time their letter referred to the closed account they referred to as a fraudulent use of my identity in the letter about which they said all traces of it would be eliminated from my life. So the new letter starts out "Reference: (account number they said they would completely eliminate 10 months ago)". This letter is in confirmation of our telephone conversation regarding the application for XYZ card from AmEx our office rec'd in your name. Your application has been reviewed by a Supervisor for possible exception. Unfortunately, your application will not be processed as an exception and we will abide by our original decision. In accordance with your request, the following are the reasons why your application was declined: American Express cancelled your previous card account(s) I am sorry but if this isn't the must F'd up company that exists that completely deserves to go bankrupt because of their own idiocy, then I am a flying pig with 19 horns and a jet engine for a tail. This is completely inane and stupid. Let's review: 1) I never had an Amex account 2) I apply for an Amex account 3) I get rejected 4) Amex gives me written confirmation that they agree I never had an Amex account. 5) Amex gives me written confirmation that all traces of the fraud account effecting me would be eliminated. 6) Nearly a year goes by 7) I apply again 8) They confirm #4 and #5 on the phone 9) They ask for the letter referred to in #4 and #5 which they themselves sent, but they make me do the job of an Amex employee and send them back the same letter because they are too stupid to find it, and too stupid not to need to see it even though they confirm the same points of the letter on their customer system 10) They reject me again, reason: Had an old account (which they agree I never actually had) I will tell you what else is inane and stupid...the fact that I STILL want an AmEx card after all that. It just really ticks me off that I can't get one. So two questions for the forum, and I hope someone can shed light: Does this make any sense to you? Is there a better way to go about applying for an Amex card or is it hopeless that I will ever get rid of all traces of this very old identity theft?