Credit Card Center Advertiser Disclosure†
09-05-2008 01:55 PM
09-05-2008 09:47 PM
This is a uber-prime card and very difficult to get. You can obtain the application from their website and look at it. Unless you have 800ish scores, squeeky clean CBR's and a high income I wouldn't waste the inquiry.
jamielr89 wrote:It's called the Simmons First Visa Platinum Card. How hard is it to get one of 'em? What do you think your credit rating would have to be?
10-15-2011 06:11 AM
From a USAToday article (about credit scores) dated October 14, 2011:
"...an alarming number of those polled also had wrong ideas about other types of information being included in the equation.
"For instance, 64% believe that income is a factor..."
BTW, the Simmons First Visa Platinum is now a 7.25% variable rate (prime rate plus four), rather than a fixed rate.
10-15-2011 10:03 AM
Hi, welcome to the forums!
You have just replied to a thread from 2008.
Nothing wrong with that, but you might want to check dates on threads that come up via the search function. (I wish they'd change that default...)
10-15-2011 02:17 PM
There is not much information on this WWW forum about the Simmons First Visa Platinum credit card. IMHO, some of the information in the post to which I replied (yes, I noticed the date) was incorrect. I tried to improve the signal-to-noise ratio for anyone who may be seeking information about that credit card.
10-15-2011 03:21 PM
Are you actively trying for the card, or just improving "the signal-to-noise ratio for anyone who may be seeking information about that credit card"? In other words, are you actually thinking of applying for this card, and if so, could you share (in a very general and unidentified way) any info about your credit history that a potential lender might see?
We might be able to help you out a bit.
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.