Should I apply for a credit card with my bank?
Guest: newtoitall
Post subject: Should I apply for a credit card with my bank?
Posted: Wed Aug 16, 2006 12:54 pm
Ok so I have been banking with Suntrust since the 90s when they were Crestar!
I have only used them for a free checking account, but I have been loyal to them for over 7 years and have never so much as even overdrafted my account!
My question is this: I have applied for a Suntrust CC even though I have "no credit history" hoping that my excellent record with them will nudge their decision to approve me. Any thoughts?
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Guest: Polonius
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Wed Aug 16, 2006 1:33 pm
Too many thoughts, not enough action.
If you want a credit card, apply for a credit card. It's as simple as that. You may get "extra credit" because you're a banking customer, but there's no way to know if that will give you a card or not. I've had Wells Fargo as my main bank (two checking accounts, one savings account) for 13 years. When I applied for a credit card with it two years ago, I was turned down. I have two dozen other credit cards though and a clean record. Go figure.
_________________
Polonius
"Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: hdporter
Credit Expert (100+ Posts)
Posted: Wed Aug 16, 2006 1:34 pm
Not a chance. MBNA has been the issuer for the Suntrust card since 1999. You'll be evaluated for the card in pretty much the same manner you would be for any other MBNA card.
- Harry
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Dmoney
Posted: Wed Aug 16, 2006 10:23 pm
I've tried the exact same thing you did and it did not work. MBNA is rough and they do not trust "new credit heads". My suggestion is trying to get a department store card, getting a secured card, or a credit card with garaunteed approval (the fees will suck though, but if you have an excellent banking history $150-$250(setup fees) should not be an issue).
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Should I apply for a credit card with my bank?
Posted: Wed Aug 16, 2006 12:54 pm
Ok so I have been banking with Suntrust since the 90s when they were Crestar!
I have only used them for a free checking account, but I have been loyal to them for over 7 years and have never so much as even overdrafted my account!
My question is this: I have applied for a Suntrust CC even though I have "no credit history" hoping that my excellent record with them will nudge their decision to approve me. Any thoughts?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Polonius
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Wed Aug 16, 2006 1:33 pm
Too many thoughts, not enough action.
If you want a credit card, apply for a credit card. It's as simple as that. You may get "extra credit" because you're a banking customer, but there's no way to know if that will give you a card or not. I've had Wells Fargo as my main bank (two checking accounts, one savings account) for 13 years. When I applied for a credit card with it two years ago, I was turned down. I have two dozen other credit cards though and a clean record. Go figure.
_________________
Polonius
"Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: hdporter
Credit Expert (100+ Posts)
Posted: Wed Aug 16, 2006 1:34 pm
Not a chance. MBNA has been the issuer for the Suntrust card since 1999. You'll be evaluated for the card in pretty much the same manner you would be for any other MBNA card.
- Harry
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Dmoney
Posted: Wed Aug 16, 2006 10:23 pm
I've tried the exact same thing you did and it did not work. MBNA is rough and they do not trust "new credit heads". My suggestion is trying to get a department store card, getting a secured card, or a credit card with garaunteed approval (the fees will suck though, but if you have an excellent banking history $150-$250(setup fees) should not be an issue).
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 11:55 AM
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