Thanks for that I really expected 8.5% Apr perfect got it at the end of the term I'll call to payoff the final payment and congratulations on your refinance loan for the 3% wow oh my 26.99% Apr is nuts.
Exactly I'm shooting for business lines of credit I am very handy and would like to fix and flip homes in honest and safe market values. Like you said you need to invest to get more back even credit itself.
Where are you funding the colleteral from? Did they make you open a savings account and deposit the money in there? They want to be able to see the colleteral money in their account before they approve you. So it is not like - You approve me and i will give you the money - type of situation. And it probably took me couple hours during business hours to complete everything from start to finish. Or maybe even longer because now i remember i left the bank, went to the mall and they called me later on and said the loan was approved. In your case because you are doing everything online it can take a day or two. In my case they knew i was with my banker sitting at the bank, so that might have pushed things a little faster.
KSK1912 wrote:
River123 wrote:
River123 wrote:
River123 wrote:Thanks for that info. Makes me feel a little better. Did you get any notification that you were approved prior to receiving the card? I was hoping they would at least acknowledge receipt of the documents or send an email whether approved or denied since I initially applied online.
Broke down and called a few minutes ago. Told the app was approved but did not give me an amount on the CL so I didn't ask. I will just wait on the card. Anything is ok, I consider it a success since I was not denied.
Have not received the card yet but Nordstroms already reported the new account to Experian. They were slow on approval but fast on reporting.
Congrats,
what is the limit if you dont mind me asking?
I don't know yet. I thought about asking but I decided to wait till I get the card. Didn't want to stay on phone too long in case they changed their mind. I will post the limit when I get the card.
Lowes pulled EX for me too. Check your FICO mortgage vs FICO bank card and if the bank card scores are over 660, then odds are good. My mortgage scores are higher than my bank card scores, but I'm still shooting for 720-740 for when I apply for my mortgage in 2017....oh, and Congrats on the new house.
River123 wrote:
KSK1912 wrote:
River123 wrote:
River123 wrote:
River123 wrote:Thanks for that info. Makes me feel a little better. Did you get any notification that you were approved prior to receiving the card? I was hoping they would at least acknowledge receipt of the documents or send an email whether approved or denied since I initially applied online.
Broke down and called a few minutes ago. Told the app was approved but did not give me an amount on the CL so I didn't ask. I will just wait on the card. Anything is ok, I consider it a success since I was not denied.
Have not received the card yet but Nordstroms already reported the new account to Experian. They were slow on approval but fast on reporting.
Congrats,
what is the limit if you dont mind me asking?
I don't know yet. I thought about asking but I decided to wait till I get the card. Didn't want to stay on phone too long in case they changed their mind. I will post the limit when I get the card.
Hahaaa, ok i got it, i've been there coule times too that when someone gave me a cli or approved my app, i just wanted to say thanks and hang up just incase I think if you have access to the credit monitoring alert, it should how your credit limit there too.
Carecredit is always a HP. And they probably won't give you more right now. I think they like to see usage then cli. At least that's been my experience.
Good luck!
Nitrobunny wrote:
Call their automated line from the phone you listed on your application. (877) 283-4044 They locate your account with no promoting and ask you for your last four SSN. If your card has been issued you will receive a full account summary including available credit.
Called and no automated account info. Recording said all reps were busy with extremely high call volume and I had to hold to speak to the next available rep. I waited about 2 minutes then I hung up. Never gave me the option of locating my account. Tried online but it asks for your card number and security code to get into your account online. I guess I will have to keep waiting on the card. Will keep you posted.
I guess I fall into the experience of urban myth than. I requested a CLI to 30k on my DW's BCP, and Amex asked for the form. I then just requested again, but this time for 25k and it was auto approved.
Me personally, I requested increase to 30k with no issues.
If you clear your cache do you lose your history and cookies also?
FutCRNA wrote:congrats on the approval. I have a preapproval for the preferred cash rewards too, at 16.15%. Debating if I should pull the trigger. lol I just was approved for the Visa Rewards back in Feb. Congrats again OP
Thanks. I wish I would've gotten a better APR, but I don't intend to carry a balance.
I am in with BOA, Amex, USAA, Cap1, Barclays, NFCU and many other Synchrony cards and CU's.........utilization is 5-7% average and sometimes as low as 1%.......scores are TU 767, EX 765, and EQ 730. Can't break into Citi other than an Exxon Card, Home Depot, and Macy's.........salary is north of 150K . Always get "too many inquiries " or something like "balance on mortgage is too low" as the reason for decline. I have just given up on them myself. I MAY would try again if I got a pre-approval nod