Just got a pre-approval for their rewards card. It seems to be decent....it's a points system, with one point per dollar spent, with double points on dining and travel. No cap on points, no expiration, and no AF. 0% intro APR, then 19% after. I have a checking account with them via my university so I'm assuming that's why I got the pre-approval.
Does anyone know who they pull (I'm in FL)? Are they conservative? Inquiry sensitive?
If anyone could give advice I'd appreciate it!
FutureBillionaire wrote:They seem to be ultra conservative, more than even US Bank. I got a flat out denial with a score in the 720s. I bank with them and have one of their top tier checking accounts, yet I can't seem to even get a pre approval offer from them. I would recommend low balances and only a balance on a card or two.
As a side note, their rewards are just so so in my opinion. But, to each his own.
Oh, well maybe I won't give it a shot. My scores are low 700s, no baddies but a recently opened account and one card with probably 60% util. Overall util around 7%.
Do you know which CRA they pulled?
FutureBillionaire wrote:I have to see if I can find that. I applied quite a while back. You'd be better off with another card, though.
Ah, I see. Well thank you for the heads up! I never really hear about SunTrust on here and they seem to be kinda exclusive because you can't even apply online without a pre-approval. I don't even think I've ever seen anyone with a SunTrust credit card, and I work in retail.
Starting Score: EQ 717 EX 724 TU 736
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