05-06-2010 07:12 PM
I'm so excited! They have denied me 3 times in the past 5-6 years and the other day I got an offer, I said I wasn't going to do it but I hit the button and was approved! Does anyone know how long I have to wait to find out my credit limit? I'm thinking of calling but I'm sure 30 minutes later is too soon, haha
My current credit scores are an 685 with transunion and a 694 equifax
05-06-2010 07:41 PM - edited 05-06-2010 07:59 PM
They should post a decision online when they email you a confirmation, or by snail mail. My account application was instant approved, but until they got back to me a couple of days later, on the application website that I learned my CL was $8,000. 737 EQ 712 TU 733 EX
However, the APR was outrages 14.99, but will definitely take advantage of the balance transfer offer by transferring from what was a great credit card company (Chase) to being crap. After that will make the concerted effort to pay in full. But like the 1-5% rewards programs.
05-06-2010 07:44 PM
Looking at the Discover More myself, would you mind if I ask you if you had any lates or derogs?
05-06-2010 07:53 PM
Thanks guys! .. g35_ab05 it was a discover more that I was approved for and yes I have one 60 day late from 2005 on a capital one card that I'm trying to get goodwilled and I have one medical collection that's almost 7 years old (its scheduled to come off this fall, sept I think. But other then that I have a perfect payment history on all other cards/car loans .
05-07-2010 01:09 AM
Thanks khw! Hopefully I'll be in as good a shape as you once I get some GW responses. Hopefully I'll get to apply once my scores hit above 700. Congrats again!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO