Ok so heres the deal, went to go buy myself a new MacBook Pro with Retina at BestBuy on saturday, and when I got there the gentleman asked if I wanted to apply for the 0% financing. I was not planning on applying but I was paying about 2500 for the computer so I figured why not.
I was approved for $1000, 0% store card for first 18 months.
After apping for that I figured why not throw a couple more out there, apped for Capital One, approved for $300 limit (this sucks!). Apped for Discover IT, was approved but I do not know the limit as of yet, (will update!). Lastly I apped for Wal-Mart CC so I can utilize the free tansunion report once a month, they gave me the good old 7-10 business day response, I think the message said something about verification, so I will update on this as well.
Scores for Tansunion and Equifax were floating around 630-640 (only reason they are so low is mix up about student loan repayment caused 90 lates on 2 separate accounts, OUCH!) last I checked, not sure about experian. AAoA is around 1 year 6 months. Income is around 30k. Currently have 2 credit cards, one with Credit One (at time of application thought it was Capital One lol how wrong I was) limit of 400, and NASA FCU Visa Platinum Secured Card for $500.
I will be calling for credit limit increases on the 3 cards approved so far. Didnt plan on apping for anything else, but any suggestions are welcome! Additonally I work at NASAFCU so any questions about lending/CCs or anything for them I can generally answer.
Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked 
Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you 
CreditWorld2013 wrote:Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked
Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about! 
injustifiiable wrote:
CreditWorld2013 wrote:Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked
Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about!
Silly me- I need some sleep! I just assumed that 18 Month 0% financing offer was the one that Barclay's Offers 
injustifiiable wrote:
CreditWorld2013 wrote:Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked
Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about!
Ahhhh, maybe thats why the approval for Capital One was for only 300.. thanks on the Congratz guys!
WallyxD wrote:
ImprovingYouth wrote:Ok so heres the deal, went to go buy myself a new MacBook Pro with Retina at BestBuy on saturday, and when I got there the gentleman asked if I wanted to apply for the 0% financing. I was not planning on applying but I was paying about 2500 for the computer so I figured why not.
I was approved for $1000, 0% store card for first 18 months.
After apping for that I figured why not throw a couple more out there, apped for Capital One, approved for $300 limit (this sucks!). Apped for Discover IT, was approved but I do not know the limit as of yet, (will update!). Lastly I apped for Wal-Mart CC so I can utilize the free tansunion report once a month, they gave me the good old 7-10 business day response, I think the message said something about verification, so I will update on this as well.
Scores for Tansunion and Equifax were floating around 630-640 (only reason they are so low is mix up about student loan repayment caused 90 lates on 2 separate accounts, OUCH!) last I checked, not sure about experian. AAoA is around 1 year 6 months. Income is around 30k. Currently have 2 credit cards, one with Credit One (at time of application thought it was Capital One lol how wrong I was) limit of 400, and NASA FCU Visa Platinum Secured Card for $500.
I will be calling for credit limit increases on the 3 cards approved so far. Didnt plan on apping for anything else, but any suggestions are welcome! Additonally I work at NASAFCU so any questions about lending/CCs or anything for them I can generally answer.
Did you app for Discover It for Students? If so, what was your AI?
Well not 100% sure but nowhere on the application did I put I was a student, although I currently am a fulltime student and fulltime employment. So pretty sure it was the regular one.
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