Credit Application- Please Post Your Application Results

by **frost** » Mon Nov 22, 2004 9:39 pm

i hope this thread will be a sticky one where all can post the specific of their applications and status:

name of institution
approved/denied
score
credit limit
cra(s) pulled
state of residence
interest rate

Please keep it only to the requested info. If someone has a question regarding a specific approval posted here, please start a new thread for that subject so this doesn't get all messed up.

by **frost** » Mon Nov 22, 2004 9:41 pm

Name of Institution: Bank Of America
Approved/Denied: Approved
Score: 711 FICO
Credit Limit: $6500
CRA(s) Pulled: EQ
State: FL

by **Curious** » Mon Nov 22, 2004 9:59 pm

Name: Target Guest Card
Approved/Denied: Approved on line
Score: 593 - Myfico
Credit Limit: $200
CRA's pulled: EQ
State: TN

by **donovansmith** » Tue Nov 23, 2004 12:52 am

Name of Institution: American Express (Blue)
Approved/Denied: Approved
Score: 716 (TransUnion according to PrivacyGuard), 720 (TransUnion according to MyFICO)
Credit Limit: $2000
CRA(s) Pulled: TU
State: CO

by **Board Monitor** » Tue Nov 23, 2004 9:18 am

Good idea frost. I will make this thread sticky. Should be interesting. Would also encourage everybody to post reviews of their cards in our popular consumer reviews section here (great place to read card reviews too):

http://www.cardratings.com/cardreviewfr.html

by **Rhin0** » Wed Nov 24, 2004 5:15 pm

Name: Citibank (Dividend)
Result: Approved
Scores: Equifax- 729, Experian 762, Transunion 671
Limit:$2,300
CRA: Equifax
State: OH

by **donovansmith** » Thu Nov 25, 2004 12:40 am

Name of Institution: Chase Manhattan Bank (Cashbuilder MC)
Approved/Denied: Approved
Score: 716 (TransUnion according to PrivacyGuard), 720 (TransUnion according to MyFICO)
Credit Limit: $2000
CRA(s) Pulled: TU
State: CO

by **jbkatia** » Thu Nov 25, 2004 12:34 pm

Offer: GMAC Mortgage Platinum Rewards Card
Bank Name: MBNA
Credit Pulled: Experian
Credit Scores: Experian 742, Equifax 728, Transunion 723.
State: California
Current Home Mortgage Provider:GMAC
Aprroved/Denied? DENIED!! 11/17/2004

I called to MBNA for the status after 3 weeks. I talked to a Senior Account
Specialist. His answer was, "Due to a BK and a MBNA card discharged on that BK in August 1997 unfortunately we can not extend and invitation to our card". I explanied to this person about my credit usasge, high credit available... still he said no. Yet a letter arrived in the mail yesterday were in plain english "If you have any further information for us to reconsder your application please forward this to us" Can any body help me on how to approach this? I only have two other cards Provdian established 2/2000
credlit limit $6800 balance $200 & GM Family Card $12000 limit balance $0! I would like to have this card. Any help??

by **NightStar** » Thu Nov 25, 2004 5:05 pm

Sounds like GMAC has a black list, meaning no matter how good your credit is today, they will still denie due to having been included in bankruptcy in the past.

There are a few creditors just like that. Will look around and see if anyone knows of a expiration date on their black list if one exists. Sometimes if a given period of time has past they may let you back in... and then others it is black listed for life.

by **cabledude** » Sat Nov 27, 2004 9:53 am

For me:

name of institution: AMEX Blue
approved/denied: Approved
score: 670
credit limit: $5,000
cra(s) pulled: EQ
state of residence: PA

name of institution: Citi Dividend
approved/denied: Approved
score: 670
credit limit: $3,600
cra(s) pulled: TU
state of residence: PA

name of institution: Fleet
approved/denied: Approved
score: 670
credit limit: $5,300
cra(s) pulled: TU
state of residence: PA

name of institution: Catherines Citibank Store Card
approved/denied: Approved
score: 670
credit limit: $900
cra(s) pulled: EX
state of residence: PA

name of institution: American Eagle
approved/denied: Approved
score: 670
credit limit: $500
cra(s) pulled: EQ
state of residence: PA

name of institution: Sears
approved/denied: Approved
score: 670
credit limit: $4,000
cra(s) pulled: TU
state of residence: PA

name of institution: Providian
approved/denied: Approved
score: 690
credit limit: $10,000
cra(s) pulled: EX
state of residence: PA

name of institution: Bank One Invitation by Mail
approved/denied: Denied!!

(Past Delinquency: Two Year Old Lates!!!) Good enough for AMEX Blue, but not Bank One! Oh Well their loss....

score: 670
credit limit: N/A
cra(s) pulled: TU
state of residence: PA

The last two were done this weekend and all of the rest were from July through October.

For my Wife:

name of institution: Exxon/Moble
approved/denied: Approved
score: 580
credit limit: $200
cra(s) pulled: EQ
state of residence: PA

name of institution: BP
approved/denied: Approved
score: 620
credit limit: $500
cra(s) pulled: TU
state of residence: PA

name of institution: Wal Mart
approved/denied: Denied
score: 580
credit limit:
cra(s) pulled: EQ
state of residence: PA

name of institution: JC Penny
approved/denied: Denied
score: 580
credit limit:
cra(s) pulled: EQ
state of residence: PA

name of institution: Home Depot
approved/denied: Approved
score: 620
credit limit: $1,000
cra(s) pulled: TU
state of residence: PA

name of institution: Capital One
approved/denied: Approved
score: 620/580
credit limit: $250
cra(s) pulled: EX, TU
state of residence: PA

name of institution: Citi AT&T Universal Card
approved/denied: ?
score: 620
credit limit: ?
cra(s) pulled: TU
state of residence: PA

by **guessindigo** » Mon Nov 29, 2004 7:10 pm

name of institution: Chase Platinum Mastercard
approved/denied: Approved
score: 744
credit limit: $11,000
cra(s) pulled: TU
state of residence: CA

name of institution: Providian
approved/denied: Approved
score: 728
credit limit: $9100
cra(s) pulled: EX
state of residence: CA

by **MedSchoolGirl** » Sat Dec 04, 2004 12:56 pm

name of institution First Premier
approved/denied approved
score don't know
credit limit $250
cra(s) pulled transunion
state of residence KS

name of institution Captial One
approved/denied approved
score don't know
credit limit $300
cra(s) pulled transunion and experian, don't know about equifax
state of residence KS

name of institution Household/orchard Bank
approved/denied approved
score don't know
credit limit $300
cra(s) pulled experian
state of residence KS

name of institution Discover
approved/denied denied
score don't know
credit limit -
cra(s) pulled experian
state of residence KS

by **jbkatia** » Sat Dec 04, 2004 1:11 pm

Bank: Citibank
Credit Pulled: Experian
MyFICO scores: EXP-740. TU-738 & EFX-733
Location-CA
Online Decision-YES
Approved- YES
Credit Limit-$7000

by **slickytfox** » Mon Dec 13, 2004 7:01 pm

Target Guest Card

Approved ON-LINE

$200

Pulled Equifax

EQ - 578
TU - 591
EX - 587

Residence - PA

Pretty pleased. 2nd card since coming out of Credit Counseling in Sept.

by **macuser** » Sun Dec 19, 2004 11:22 pm

name of institution : Providian - platinum card
approved/denied : Approved
score : MyFico: 625 & Experian: 600
credit limit : 1,000
cra(s) pulled : MyFico & Experian
state of residence : LA

name of institution : Capital One - platinum card
approved/denied : Approved
score : Equifax: 618 Experian: 600 TU: 614
credit limit : 500
cra(s) pulled : Equifax, Experian, & Transunion
state of residence : LA

name of institution : Household Bank Credit Card
approved/denied : Approved
score : Equifax: 618 Experian: 600
credit limit : 500 (raised to 700 after 6 mo.)
cra(s) pulled : Equifax & Experian
state of residence : LA

by jm » Mon Dec 20, 2004 11:14 am

name of institution: Chase Platinum Mastercard
approved/denied: approved
score: (not known)/12-month credit history
credit limit: $6,000
cra(s) pulled: EQ, EX
state of residence: CA

name of institution: CEFCU Credit Union
approved/denied: approved
score: (not known)/12-month credit history
credit limit: $2,500
cra(s) pulled: TU
state of residence: CA

name of institution: MBNA
approved/denied: approved
score: (not known)/12-month credit history
credit limit: $1,000 (initial)
cra(s) pulled: EQ, EX
state of residence: CA

by **luvlie21** » Mon Dec 20, 2004 11:40 am

name of institution: citibank
approved/denied: approved
score : EQ 660 (myfico) 610 (pg)
credit limit :1200
cra(s) pulled : Trans and Equifax
state of residence : NY

I'm not sure if this applies but I had requested for this account, closed for 2 years, to be reopened. It was initally denied due to a collection account on file, which was removed after dispute. Advised Citibank of the removal, expected them to check Transunion again, but instead they checked Equifax.

by **ctan** » Fri Dec 24, 2004 10:25 pm

name of institution abercrombie and fitch card
approved/denied: Approved
score 640
credit limit 350
cra(s) pulled EXperian
state of residence CA

Please keep it only to the requested info. If someone has a question regarding a specific approval posted here, please start a new thread for that subject so this doesn't get all messed up.[/quote]

by **fenster** » Sun Dec 26, 2004 6:47 pm

Anyone knows what kind of applicant gets an instant online approval with a clearly stated credit line? It can't be only high scores, I've had high scores and still got the "we received your app and will contact you by US mail in 4 weeks" online message.

I was approved several times, but not instantly. So what holds them back from instant approval? Telephone not in one's name? Wanting to verify home ownership? What? I know it's not employment, they hardly ever have the resources to check it along with income. Any idea gents?

by **Board Monitor** » Wed Dec 29, 2004 9:36 am

fenster,

Thanks for your post and welcome to the board! I was under the impression that is was mainly your credit score. I know that there are security issues involved, but not sure what they are. Did you call them to inquire?

by **NightStar** » Wed Dec 29, 2004 11:07 am

I would think if they seen any conflicting infromation between what you provided them and what is showing on the credit report they would stall the application for manual review.

Like if you put down one address, but they see another one as being reported the current address... if you give a po box instead of a home address...

then of course if they see any adverse information, collection, lates, high utilization, high number of inquiries in a short period of time...

It is numberous what it could be on the delay.

by **fenster** » Thu Dec 30, 2004 12:36 pm

Thank you Admin and Nightstar, it all seems clear now. Admin, no, I didn't call them, before I decided to, the Card was in my mail box, a Bank America Platinum Visa, $15K and 0% BTs till June 05.

by **Board Monitor** » Fri Dec 31, 2004 2:21 pm

fenster,

Where did you find the 0% BofA online offer? I don't think they offer it on their website- at least last time I checked.

Also, out of curiosity, how did you find out about our website?

by **Florydory** » Sat Jan 01, 2005 11:15 pm

Recently applied for Providian card when I received pre-approved offer in the mail. I didn't think that I qualified but I applied anyway.

name of institution: Providian
approved/denied: Denied ! (letter received on 12/31----my birthday

)
score: Exp: 549/ Tran: 610
credit limit: up to $30,000 offered with 0% BT until 2006
cra(s) pulled: Tran
state of residence: IL

Oh well............ I will just keep working on cleaning up my credit record.

by **QueenMajyk** » Mon Jan 03, 2005 8:26 am

Board Monitor wrote:fenster,

Where did you find the 0% BofA online offer? I don't think they offer it on their website- at least last time I checked.

Also, out of curiosity, how did you find out about our website?

I work for BofA (not in financial or credit so I don't know much more than I am about to post...

) but this sounds like either the associate visa deal - only open to the employees, or one of the mailed solicitations. There are a few preapproval offers out right now that offer BTs at 0% till as far as out as Jan 06! Wish I had one of those!

by **fenster** » Tue Jan 04, 2005 2:22 pm

Admin, it's my bad, I 'm mixing apples and oranges here, the 0% offer is on BTs only. I found out about your site while googling on the mechanics of BTs, and it was a great find at that.

by **thumbelinasplace** » Fri Jan 07, 2005 8:41 pm

Scores: Equifax 626, Experian 583, Transunion 592

name of institution:Lowes
approved/denied:approved
score:592
credit limit:300
cra(s) pulled:Tu
state of residence:Mich

name of institution:Sears
approved/denied:approved
score:592
credit limit:250
cra(s) pulled:Tu
state of residence: Mich

name of institution:Home Depot
approved/denied:denied
score:592
credit limit:0
cra(s) pulled:Tu
state of residence:Mich

name of institution:Chase plaitnium
approved/denied:approved
score:592
credit limit:1000
cra(s) pulled:Tu
state of residence:Mich

name of institution:Citi
approved/denied:still waiting
score:592
credit limit:
cra(s) pulled:Tu
state of residence:Mich

name of institution:Capital One
approved/denied:denied
score:626,583,592
credit limit:0
cra(s) pulled:Equ, Exp,Tu
state of residence:Mich

Funny thing with Cap One. I have one of the cards allready. Have had for 4 years, payment all on time since I had it. Repeatdley asked for increase always told no. So applied for another one online. Noticed all three reports were pulled. Still turned down. Go figure. Will update for Citi.

by **slickytfox** » Sat Jan 08, 2005 10:08 pm

name of institution PROVIDIAN
approved/denied DENIED
score TU 613 - EX 593 - EQ - 589 (according to PG) Another 10 pts since 01/01/05

credit limit
cra(s) pulled not appearing on my PG report (possible 2000 closed account internal flag because of Credit Counseling)
state of residence PA

Capital One has requested a copy of my pay stub. My pay went up over 2.5 times from 2003 to 2004. I have never had a Cap1 account but my wife has.

SEARS has given me "we will review" response. I had a SEARS account that I closed prior to my credit counseling for my VISA'S and MASTERCARD'S Credit Counseling. SEARS was paid but not kept open due to temptation. DISCOVER was closed as paid in full and doesn't even appear on my credit report anymore.

I carry a LOWE'S balance, never tried for HOME DEPOT since it is not a convenient location. BEST BUY (Household) denied me although I hold an Orchard Bank Card about 3 months ago.

I will not even try to apply for a CHASE.

I think that I will hold off on inquiries until April, but I wanted to submit this because Orchard and Target were so easy to get.

by **overextended** » Wed Jan 12, 2005 11:00 pm

Name of Institution: Providian Financial
Approved/Denied: Approved!!
Score: Exp; 606 TU; 604
Credit Limit: $5,000
Cra Pulled: Exp
State of Residence: TX

Name of Institution: Target National Bank/Target Visa
Approved/Denied: Approved!!
Score: Exp; 600 Efx; 599 TU; 602
Credit Limit: $500
Cra Pulled: Equifax and Experian
State of Residence: TX

Name of Institution: Cross Country Bank
Approved/Denied: Approved!!
Score: TU; 601
Credit Limit: $300 LOL!!! when I got $5,000 with Providian?!?!?!
Cra Pulled: TU
State of Residence: TX

Name of Institution: Capital One Bank/Platinum MasterCard
Approved/Denied: Approved!!
Score: Exp; 597
Credit Limit: $1,000
Cra Pulled: Experian
State of Residence: TX

Name of Institution: Kay Jewelers/Sterling National Bank
Approved/Denied: Approved!!
Score: TU; 599
Credit Limit: $3,500
Cra Pulled: TU
State of Residence: TX

by **Board Monitor** » Thu Jan 13, 2005 8:21 am

To All,

This is all great info. and is one of my favorite threads now!

Suggestion:

Please post your APR (interest rate) for each card. I think this would be very helpful to other consumers!

by **lawyer2be371** » Thu Jan 13, 2005 8:26 am

overextended wrote:Name of Institution: Providian Financial
Approved/Denied: Approved!!
Score: Exp; 606 TU; 604
Credit Limit: $5,000
Cra Pulled: Exp
State of Residence: TX

Name of Institution: Target National Bank/Target Visa
Approved/Denied: Approved!!
Score: Exp; 600 Efx; 599 TU; 602
Credit Limit: $500
Cra Pulled: Equifax and Experian
State of Residence: TX

Name of Institution: Cross Country Bank
Approved/Denied: Approved!!
Score: TU; 601
Credit Limit: $300 LOL!!! when I got $5,000 with Providian?!?!?!
Cra Pulled: TU
State of Residence: TX

Name of Institution: Capital One Bank/Platinum MasterCard
Approved/Denied: Approved!!
Score: Exp; 597
Credit Limit: $1,000
Cra Pulled: Experian
State of Residence: TX

Name of Institution: Kay Jewelers/Sterling National Bank
Approved/Denied: Approved!!
Score: TU; 599
Credit Limit: $3,500
Cra Pulled: TU
State of Residence: TX

Just out of curoisity DO you have any thing negative on your credit reports, or are you just now building your credit history...and where these applications applied for online or in person?

by **overextended** » Thu Jan 13, 2005 7:57 pm

The only thing I had on my credit at the time of these approvals was a 2 paid off car loans in good standing, 1 car loan current but was 1 month late 1 year ago, 1 visa from my credit union, and 1 collection account in the amount of $455. What helped my credit score was that my visa from my credit union was 7 years old and never late it has a limit of $2,000 and an average balance of $600. And I had 2 inquiries. Hope All This Helped.

by **lawyer2be371** » Fri Jan 14, 2005 4:21 pm

Name of Institution: Kay Jewelers/Sterling National Bank
Approved/Denied: Approved
Score: TU; 663
Credit Limit: $700
Cra Pulled: TU
State of Residence: WI

by **thumbelinasplace** » Sat Jan 15, 2005 8:30 pm

Name of Institution: Limited Too
Approved/Denied: Approved
Score: 577
Credit Limit: 500
Cra Pulled: Exp
State of Residence: Mich

by **lawyer2be371** » Fri Jan 21, 2005 3:35 pm

Name of Institution: Landmark Credit Union Visa
Approved/Denied: Approved
Score: 660
Credit Limit: 500
Cra Pulled: Transunion
State of Residence: WI

by **hdporter** » Mon Jan 24, 2005 1:25 am

Activity for last year:
- note: Aggressive application for new credit to reduce util %, red. rates,
- improve score, teaser rate bal transf. -- actual bals. reduced)

Bk of Amer (Gold)
appr. 2/04 (pre-appr. invit)
TU 618 (2 yr. clean credit though)
$1000
Equifax
PA
Pr.+9.99% (tr. 0%-6 mo., then 7.99% Fx 'til pd)

Bk of Amer (Plat)
appr. 4/04 (pre-appr inv.)
TU 651 (derog: 2 rolled off, 1 cleared on req. / bal. red.)
$6500
Experian
Pr.+5.9% (tr. Pr.+0% 'til pd)

Bose ( HSBC)
appr. 7/04
TU 638
$1500
Tr. Union
0% if pd in 12 mo. (else 19.8%

Providian - Democratic Party (Plat.)
appr. 7/04 (pre-appr inv.)
TU 638
$5000
Tr. Union
Pr.+10.49% (tr. 3.99% Fx-6 mo.)

Sears (retail card) - Citi
Declined 9/04
TU 680 (aggress. bal. paydown)
reason: past delinquencies
- note: I closed a/c Jun.'03 to avoid rate incr. on outst. bal. (Cit assump)
- Pd off. Sought to open new a/c for store promos. Last delinq. Oct.'01
Tr. Union
would have been 21.6%

AT&T Universal - Citi
appr. 10/04 (pre-appr inv.) - anyone sense irony here? :wink:

TU 678
$4100
Tr. Union
Pr.+5.49% (tr. 0%-12 mo.)

Bk of Amer
12/04 (unsolicited a/c limit incr.)
TU 686
Gold incr fr. $1000 to $4000
Plat incr fr. $6500 to $9500

GE Cap - Jewelry
appr. 12/04
TU 686
$4000
Tr. Union
0%-3 mo., 23.99%

by **hdporter** » Mon Jan 24, 2005 1:45 am

Had an interesting experience on my apps to Bank of Amer:

In my other post, I note a Gold applic in resp. to an invit, followed by a Plat. a couple of months later. At the time of the Gold invite, both my wife and I received the same invite and both applied online. Despite the fact that her score was about 20 pts. lower than mine, she received immediate approval; I was deferred and received mailed approval. When I responded to the subsequent Plat. offer I received instant online approval. Go figure.

by **katwoman** » Fri Feb 04, 2005 4:27 pm

Name of Institution: State Farm Bank Platinum card
Approved/Denied: APPROVED! Got the 7-10 day online notice, though.
Score: 675 (Providian TU FICO)
Credit Limit: $1000.00
CRA Pulled: TU
State of Residence: IL

Factors in this approval is the fact that I am a very long standing SF customer. Auto/Home/Umbrella/Flood ins.

There is a chargeoff on my report but the dates aren't reporting (it's 4.5 years old). Go figure.

by **lawyer2be371** » Mon Feb 07, 2005 9:19 am

Name of Institution: Target Guest Card
Approved/Denied: Approved
Score: Exp; 675? Efx
Credit Limit: $200
Cra Pulled: Equifax
State of Residence: WI, I was in MI when I applied though
Rep told me that after a few months of on time payments they will upgrade to a regular visa, I don't know how true that will be, but just felt like sharing that info

by **creditbuilder** » Mon Feb 07, 2005 5:29 pm

How about adding annual income to this? It would be helpful in determining what banks are friendly to lower income ranges.

by **jamesoz1** » Tue Feb 08, 2005 8:48 pm

name of institution citi -reward
approved/denied approved
score ?
credit limit 5900
cra(s) pulled ?instant
state of residence ia.
interest rate 10.49/0bt1yr

by **NightStar** » Tue Feb 08, 2005 9:00 pm

jamesoz1 wrote:name of institution citi -reward
approved/denied approved
score ?
credit limit 5900
cra(s) pulled ?instant
state of residence ia.
interest rate 10.49/0bt1yr

Residence Iowa, then likely it was Equifax that Citi Bank pulled for approval... please let us know once you confirm this.

by **creditbuilder** » Tue Feb 08, 2005 10:05 pm

institution: American Express Blue Cash
App/Den: Approved
Score: ?
credit limit: 2,000
cra pulled: ?/instant online approval
res: GA
int. rate: 6 mo. 0% then prime+9.99%

by **falling5tarr** » Mon Feb 14, 2005 12:26 pm

name of institution : Bank Of America Platinum Visa
approved/denied : Approved
score : 690
credit limit : $3,500
cra(s) pulled : myfico
state of residence : FL
interest rate : 0% for 6 months.

name of institution : American Express Blue Cash
approved/denied : Approved
score : 690
credit limit : $1,000
cra(s) pulled : myfico
state of residence : FL
interest rate : 9.99%

by **Andri** » Mon Feb 14, 2005 2:57 pm

name of institution: American Express True Rewards
approved/denied: approved
score: 725 (FICO - EQ, 641 - Ex "Auto 2")
credit limit : $7400
cra(s) pulled: Unknown
state of residence: AZ
interest rate: Prime + 8.9%

by **yurarse** » Mon Feb 14, 2005 3:35 pm

name of institution TARGET GUESS CARD
approved/denied APPROVED
score 550
credit limit $200
cra(s) pulled TU
state of residence NY
interest rate

name of institution ORCHARD BANK
approved/denied APPROVED
score 525
credit limit 300 INCREASED TO 400 LAST MONTH AND OWED THEM NOTHING
cra(s) pulled EXPERIAN
state of residence NY
interest rate 0

by **guessindigo** » Mon Feb 14, 2005 4:43 pm

Bank One
$22,000
CA
EXP

by **luvlie21** » Mon Feb 14, 2005 8:09 pm

name of institution American Express BLue Cash
approved/denied APPROVED
score 660 (PG)
credit limit $2000
cra(s) pulled Transunion
state of residence NY
interest rate: was just approved so not sure yet

by **CoffeeCrisp** » Tue Feb 15, 2005 10:21 am

name of institution Household
approved/denied approved
score 634 (transunion)
credit limit $750
cra(s) pulled ????
state of residence New England
interest rate 0%/year 14% variable after

This is our newest card. We have cards with about the same rates with credit limits of $2000,$2500, $2000, and $2000 again. 3 without annual fees and 2 with. We are post BK but rebuilding wisely.

Orchard bank has given us the biggest increase in credit line starting from 250.00 to 2500.00 (without asking for one). Capital one started us out at 200.00 now 2000.00. We dickered with Cap 1 for lower rates but no go. Im paying them off this month and am considering closing them. But I have to weigh the pro's and cons. They are ones with annual fees.

Also,we started out with a target guest card and after proving ourselves to them,they automatically upgraded us to a Target Visa.

by **Nathan** » Thu Feb 17, 2005 7:46 pm

name of institution: Amex Blue Cash
approved/denied: Approved
score: 662
credit limit: $5,000
cra(s) pulled: Trans Union
state of residence: AZ
interest rate: Not sure. I asked the rep the limit.

I think Privacyguard's scores are WAY off sometimes. I don't think my TU credit warranted SUCH a low score. The other 2 bureaus are quite a bit higher. Apparently the score isn't all AMEX cares about. Not complaining though.

Credit Application- Please Post Your Application Results

Credit Application- Please Post Your Application Results

Credit Card Application

Shell Master Card

Re: Credit Application- Please Post Your Application Result

Instant Online Decision

This is a very useful tool for 585-615 rating type of people

Approved for all applied.

Re: Approved for all applied.

reply

to fenster: re Instant Online Decision

Re: Credit Application- Please Post Your Application Result

Who is online