02-25-2013 06:34 AM
Got the itch last weekend and applied for the Choice Priviliges card. I probably should have waited, as my util was still over 30%, with a couple of cards at about 60%.
Apped on the website, and first I got some version 'can't extend you credit at this time. letter in mail'. Letter came telling me what my score was and listed the negatives on my CR. I was a little disappointed, threw letter away, and had planned to app again in 6 months.
Was talking to coworker about CC's today, so I decided to go for a recon with Barclays. Called recon number and someone answered phone right away. He asked for a reference number from the letter. Told him I threw letter away, and he found app by SSN. He informed me the letter I received was not denial letter, but a letter they are required to send anyone who doesnt have an 850 (perfect) score. He asked me a few questions about income and time in my career field. He also asked about some lates in 2009, and asked about why I had a $3900/5700 balance on one of my store cards. I explained the lates, and informed him that the balance was on a 4 year, 0% APR, furniture purchase. They didnt even mention an open collection I have from 2009.
He was then able to approve me with a $2.5k limit!! Said I should get card in about 7 days. This is my highest limit on a non AU, or store card.
I use Choice Hotels VEERY much. Im a big fan of Comfort Suites. Im already a gold member, and was a diamond member up until 12/31/2012. So this is a card I REAAALLLY wanted. ... As Im typing this, I just realized I forgot to ask if I still get the promo points. Guess Ill find out soon enough.
Fico Score was 684 TU, which is the same as TU98 here on this site
I used household annual income of $110K (Me & DW)
18yrs in same career field
UTIL is 34%
Nice way to start a Monday. This was my first App, after being in the garden since December of 2011.
02-25-2013 06:41 AM
Congratulations. That IS a nice way to start a Monday.
I have had their Holland America visa for about three months now, so I can't tell you what you might expect in the future, but their customer service has been good. I think you will like them.
02-25-2013 07:10 AM
02-25-2013 11:09 AM
02-25-2013 11:15 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.