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SunTrust Rewards MC

Established Contributor

SunTrust Rewards MC

Hi guys and gals,

I applied for this card, scores upper 780 across all. No baddies , less than 1% UTL.

Got verification questions and answered correctly . Got the 7-10 day. Help!
Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 1 of 7
6 REPLIES
Senior Contributor

Re: SunTrust Rewards MC

Do you have any accounts with them?
I got this card a couple of months ago. They use EQ Bankcard scores. My EQ was/is lower than yours.
I've read a 7 to 10 with them isn't necessary a denial.
FICO 8 Scores EQ=754 TU=774 EX=766 (INQ) EQ=16 TU=14 EX=15 TCL=$500K+
Message 2 of 7
Established Contributor

Re: SunTrust Rewards MC

No accounts with them , I use to have a checking, closed 3 years ago. I never got to the verification page so wondering if this is a plus?
Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 3 of 7
Senior Contributor

Re: SunTrust Rewards MC

I didn't have a verification page, since I have an account with them that goes unused really. I have taken advantage of getting the extra 10% back by depositing the cash back into the checking account.
You'll probably hear something positive tomorrow.
FICO 8 Scores EQ=754 TU=774 EX=766 (INQ) EQ=16 TU=14 EX=15 TCL=$500K+
Message 4 of 7
Established Contributor

Re: SunTrust Rewards MC

Hey guys I called and the CSR states that underwriting hasn’t reviewed it yet and that’s all she knows. She said 24-48 hours . Is this good ?
Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 5 of 7
Senior Contributor

Re: SunTrust Rewards MC

I think you will be fine. SunTrust has been very aggressive putting their CC's out there. They bugged me with offers for most of the year before I cracked. Unfortunately I don't have a crystal ball..wish I did. lol
If they gave someone like me a card with all my new accounts. You should be a shoe in!
Got my fingers crossed for you!
FICO 8 Scores EQ=754 TU=774 EX=766 (INQ) EQ=16 TU=14 EX=15 TCL=$500K+
Message 6 of 7
Frequent Contributor

Re: SunTrust Rewards MC

I got the card 4 months ago. Went into branch and told the CSR I want to come back after 2 yrs with Chase due to they wont give CC's to BK'ers. She remebered me. Opened checking, savings, and she put thru my app and was approved for 5800 in 20 mins time. Scores were 730's then before truck payoff. BK just over 2 yrs ago.


BK 08/15 FICO 8 12/17 EX-740 EQ-737 TU-703
Message 7 of 7