09-30-2010 05:40 AM
Here in Florida, they pulled Equifax for me. Requirements are very low.....I think you just need a pulse. Be prepared for a $100 limit card if you have crappy scores/reports, but if you're on the up and up, I've heard of limits upwards of $1,000.
09-30-2010 09:42 AM
Use the pre-selector and see which tier you qualify for. If the "gold" card comes up, then expect a $100 CL approval. If the "platinum" card shows up, then expect at least a $500 CL.
09-30-2010 12:05 PM
EX here in CA and KY. use the preselector, for the person that was declined last year... I think they have changed criteria and it pretty much is if you don't currently have a defaulted HSBC your in... and I don't mean like you burned HSBC in the past.... you can still get in, I mean only if you are currently late on an account that is open.
My friend with a 493 and 90k of charged off debt was granted a $300 limit
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.