Credit Card Center Advertiser Disclosure†
03-19-2017 10:10 PM - last edited on 03-20-2017 10:47 AM by UncleB
A couple of inquiries just fell off last month and decided to go for the Ritz this Saturday 3/18.
Scores are low 700s due to paying off one of my cars early (usually mid 700s EX EQ, TU high 700s). Zero baddies. <10 inq EX/TU but tons on EQ due to auto loans. Chase double pulled EX/EQ for me in Texas.
I'm making this post just to serve as a data point for future applicants. I am going to sit on the 30 day message from robolady just like I did for my CSP approval late last year. Updating post as soon as I get an answer from Chase.
Edit - Less than 48 hours for approval. Called to get expedited and rep said it's already on the way expedited as a courtesy.
03-19-2017 10:47 PM
I believed the Ritz to not fall under 5/24. If so, it will likely yield a denial. Staying positive but if I'm denied it wouldn't upset me at all. No matter what I'll probably join the garden soon to prepare for the Tesla 3 in a couple of years.
Thanks for your replies.
03-20-2017 07:04 AM
From what I've read from Ritz-Chase is they ALWAYS give the 30 day message unless it's an instant denial for 5/24.
Mine was instant approval online... And Ritz Is not under 5/24
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.