Originally Posted by
sdsearch
But what from I jsut read above, I'm not sure what the difference is between not accepting new applications and making your application process so convoluted it's impossible to complete it without losing your mind!
The process is not that complicated with State Department FCU. I applied online, had an email the next morning asking for the last two pay stubs and a signature on an application form, emailed the docs back that evening, and the next morning had an approval email for a credit line twice as high as I requested. A week later I had the PIN letter arrive. The day after that, the card itself arrived.
The rewards program isn't that great, but it's acceptable. You can redeem at .75¢/pt. for Visa prepaid debit cards. It looks like hotels and flights are available for direct booking at about 1.2¢/pt.