Visa Signature Credit Card Requirements?

Guest: AustininNC
Post subject: Visa Signature Credit Card Requirements?
Posted: Sun Aug 27, 2006 9:28 am

Hello,

I'm new to this site and have to say that I've found it very informative... I have a question about Visa signature cards. What are the requirements for this and how strict are they with them?

Background:
FICO- 775+- (My wifes is about the same)
Annual Income- $50K ($70K including my wife)
Number of other cards- 1 (wife has 2)
Debt to income ratio- 35%total

Just wondering what my chances are of getting this card or something simular...If it's impossible, are there any other suggestions for a card along these lines?

Thanks in advance,
Austin

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Guest: cled
Posted: Sun Aug 27, 2006 11:15 am

AustininNC wrote:
Hello,

I'm new to this site and have to say that I've found it very informative... I have a question about Visa signature cards. What are the requirements for this and how strict are they with them?

Background:
FICO- 775+- (My wifes is about the same)
Annual Income- $50K ($70K including my wife)
Number of other cards- 1 (wife has 2)
Debt to income ratio- 35%total

Just wondering what my chances are of getting this card or something simular...If it's impossible, are there any other suggestions for a card along these lines?

Thanks in advance,
Austin


AustininNC,

requirements: not much of significant difference from those of Platinum...

except for its benefits...

its just a NO-preset limit card... you may be allowed charges beyond its REVOLVING limit ...

if ever you intend to go for such card (no preset limit), i would say go for Citi's Premier Pass Card (one with no annual fee)... experience: the easiest of all citi cards and provides highest credit lines...

all best for you..

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Guest: heavyjay
Posted: Sun Aug 27, 2006 11:15 am

I got the Chase Flexible Rewards Signature Visa with an Equifax of 702. 0% on purchases and BT's until Nov 2007. The go to rate is 8.99%.
_________________
Jay

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Guest: hdporter
Credit Expert (100+ Posts)
Posted: Sun Aug 27, 2006 11:42 am

Approval should be no problem. If you expect to carry a balance occasionally, a card such as the Chase Sig. is desirable given the favorable 8.9% F int rate.

Based on your household income, I would expect a limit upwards of $8K-$10K would be extended.

- H.

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