Please consider disabling your adblocker for CreditBoards if you have not already done so. This site depends on advertising revenue to stay online.
The last post in this topic was posted 2641 days ago.
We strongly encourage you to start a new post instead of replying to this one.
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!
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.
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.
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!