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Established Contributor
Posts: 591
Registered: ‎09-10-2012
0

Re: Banana Republic approval

Nice Congrats

Amex Platinum | Amex BizGold | Discover IT | Amex BCE | Citi DCB | Chase Ink | Chase Sapphire Preferred | CapOne | US Bank Business Edge | Chase Freedom | Walmart | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 742/755/773 - Total CL >155K

Frequent Contributor
Posts: 252
Registered: ‎02-24-2011
0

Re: Banana Republic approval

Thanks Smiley Happy

Starting Scores: 10/9/10 EQ 632
Current Scores: (9/5/12) EX 761 EQ 657 TU 780
Derogs Removed: LVNV, Union Bank, EOS-CCA, Zenith Acquisitions, Marigold Financial, Credit Collection Services, California Business Bureau
Working On: Portfolio Recovery Associates, Midland Credit Management, Credit One
**************************************************************************
BK Ch 7 -- discharged 12/14
(still have 10k on a CC in a relative's name to tackle)
Senior Contributor
Posts: 4,007
Registered: ‎10-02-2012
0

Re: Banana Republic approval

Thats awesome! even if you were approved for only store card version like youngandcreditworthy said it will upgrade whch is what is great about these cards beacuse you can then use it any where else and not just that store. BUT you got the VISA INSTANLY whih is marvelous!! ENJOY and ask for cli every 5 to 6 months just beacuse they wont always give it to you every 4 month. 


Chapter 7 Bankruptcy Discharged on --/--/-- (Awaiting Discharge)
Current Credit Scores EX FICO 483, EQ FICO 481, TU FICO 449
Gardening Since 01/01/16
Contributor
Posts: 85
Registered: ‎03-01-2012
0

Re: Banana Republic approval

[ Edited ]

kimmiller112 wrote:

I caved in too last week.  I was in one of their outlet stores with a couple of shirts from the discount rack and the idea of an extra 15% off got me this time.  I like the idea of points to earn $10 reward cards and I shop here, at the Gap outlet and online both places plus online at Piperlime and Athleta, so I will use this card quite a bit.  I know it will grow with me.


Ironically the 15% discount they give you is very "meh" for opening the card.  The true value of the card is when they have all these 40% coupons that you can only use if you have a BR card.  Plus you can use the card at Old Navy, Gap, or Piperlime and you still get 5X rewards.

 

On my last shopping spree, I bought $800 worth of clothing for around $300 due to various promotions that stacked (40% off and $25 off after spending $100).  And it was only possible if you had a BR card.  Then from that $300 I got 5X points which means $15 worth of BR rewards.  It is a great card.

Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

Re: Banana Republic approval


SFernandez13461 wrote:
Thanks Smiley Happy

DONT WAIT 6 MONTHS.I got my credit increased every month on my ge cards.ask for dubble the limit at 1 st month.Use the card a little like 30-100$ Good luck to you and congrats


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
Posts: 252
Registered: ‎02-24-2011
0

Re: Banana Republic approval

Thanks everyone. I'll certainly try to get those CLIs. 


Starting Scores: 10/9/10 EQ 632
Current Scores: (9/5/12) EX 761 EQ 657 TU 780
Derogs Removed: LVNV, Union Bank, EOS-CCA, Zenith Acquisitions, Marigold Financial, Credit Collection Services, California Business Bureau
Working On: Portfolio Recovery Associates, Midland Credit Management, Credit One
**************************************************************************
BK Ch 7 -- discharged 12/14
(still have 10k on a CC in a relative's name to tackle)
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Banana Republic approval

Congrats! Now to the garden! 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
New Contributor
Posts: 115
Registered: ‎10-19-2012
0

Re: Banana Republic approval

I really want to get a GERMB card---like BR Visa!  But I just App'd for the Clear from AmEx on 01/05.  

 

Is it too soon to apply for a GERMB?  Are they inquiry senstive?  I have about 12 inquiries from EX.  Smiley Sad

 

And three new accounts open in the past month (but only one reporting--Chase).  

 

Should I wait...or apply now? Smiley Happy

AmEx BCE - 2K, Clear from AmEx - 2K, Bank of America Travel Rewards - 10K, Chase Freedom - 4.3K, U.S. Bank College Visa - $600, Discover More Card - 7K, Citi Dividend Card for Students - 2.1K, Barclay Rewards MC-2.5K, Macys Red Card-1.8K, Bank of America AmEx-15K, Banana Republic Visa-2.5K, Chase CSP-10K, Chase Saphire-5K,
Established Contributor
Posts: 541
Registered: ‎12-02-2011
0

Re: Banana Republic approval

They're not inquiry or UTI sensitive at all. However, those factors may affect your initial CL.
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Banana Republic approval

You can get a cli every 2-3 months if you call GE Credit Solutions lol... Great card!! Ive been getting mailers for 4-5x points on EVERY purchase or like an extra 1000 points just for using it twice lol! The discounts are great!!! The apr sucks though! So be careful!

Sorry to ask.. But Fabulous... Did you get approved for the Amex Clear? This is one of the other Amexes I want!!! There isn't much approval info avail about the Clear I've noticed!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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