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I got an email from Credit Sesame that I was eligible to apply for the L Card by Lendup. Terms of the offer was 24.9% apr but no annual fee. Also it stated that account would be eligible to double the line upon review. Said it would be reviewed two times in the first year. Said only 1 double per life of the account. My score is good 700 so I applied for it because there is no annual fee and i'm sure it will double at 7 months. I put all my info in and it approved me for $500 but it'll go to $1000 in 7 months. I mainly took it because a 1k line if because i'm looking to get rid of my capital one secured card since it hasn't graduated at the 1 year mark and the cap one secured is only 500.00 with a 99.00 deposit. If you go to the web page to apply for the l card there is a waiting list but they do send out solicitations in the mail and they do offer them thru credit sesame but credit sesame gives you a special link which lets you apply for the card. The no annual fee was a definate plus. They pulled transunion..
congrats i tryed it denied, 570 tu
Sorry that they denied you. do try again maybe when your score come up a little more it will be an approval.
So how many HPs on each CRA do we have now....
Trying to figure out if you could make a play for more of a major card...
Could also go the Disco secured route if you havent burned them or have had a few years of your bk under your belt...
Seriously the L card is only marginally better than Credit One and inferior to even Merrick.
-J
Yeah I'm with you on this. Odd since it's pretty much a rebuilder type of card The reality is they weren't improved for 1k which is pretty low anyway if you have a 700 credit score. But I guess the OP wants it for their own reasons.
The offer they gave was kinda like merrick bank double your line. they promise a double your line within a year first review at 7 months. i mostly got it because i have a capital one secured that i'm going to close. the credit line on the new one will replace to cap one. i'll get back my 99.00 deposit. i have two other secured cards from my rebuild one for bank of america 99/500 i did it mostly to get in with bofa and the other secured i have is wells fargo only because i bank with them and wanted a card with them and that was the only way they declined me for a regular card and i'd tried several times. am sure both of those will unsecure within a year. guess it's like the discover card route the way i got in with them was to get the secured i put up 1k and after 7 months they unsecured it, couple months later i hit the luv button it went from 1k to 2k. oh yeah i do have a secured citi card too. it should graduate around jan 2018 less than a year away. if they don't graduate i will get rid of them.