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Valued Member
Objectivist
Posts: 52
Registered: ‎09-26-2012

Can I get approved for Visa Signature cards?

I only make $20,000 a year. I heard there was a minimum credit limit of $5,000 to qualify. No way I'll get that high of a limit. My highest limit right now is $3,000. There are a lot of Visa Signature cards that I won't though such as the BofA Hawaii card. Any chance for me getting this?


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somnipotent
Posts: 301
Registered: ‎06-02-2008

Re: Can I get approved for Visa Signature cards?

I'm pretty sure there are HHI requirements for most Visa Sig apps... not sure for all, but yeah I would assume that you'd have to be above 70k.  Just my thoughts.

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Valued Member
DailyDriver
Posts: 35
Registered: ‎09-12-2012

Re: Can I get approved for Visa Signature cards?

[ Edited ]

M, I make 25k a year and have the limits mentioned in my signature, although none are visa signa

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somnipotent
Posts: 301
Registered: ‎06-02-2008

Re: Can I get approved for Visa Signature cards?

How many HPs do you have?  With your score you could app for one and see...

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Valued Member
Objectivist
Posts: 52
Registered: ‎09-26-2012

Re: Can I get approved for Visa Signature cards?


Omaplatypus wrote:

How many HPs do you have?  With your score you could app for one and see...




6 HP's with Trans...BofA and Chase always pull trans for me.  Hmm...I'll definitely give it a shot. At least I'll find out why I'm denied if I do get denied.


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TheConductor
Posts: 227
Registered: ‎07-24-2012

Re: Can I get approved for Visa Signature cards?

[ Edited ]

Although only the Hawaiian Visa Signature is shown on the BoA site, there are actually also Platinum and Classic versions available via Hawaiian's site.

 

I say go for the Signature first if that's what you want, but if you're denied I suspect they might automatically approve you for the Platinum instead, or if not you could call in to recon and ask for the Platinum.

 

 http://www.hawaiianairlines.com/hawaiianmiles/visa-card-programs

 

 

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Valued Member
Objectivist
Posts: 52
Registered: ‎09-26-2012

Re: Can I get approved for Visa Signature cards?


TheConductor wrote:

Although only the Hawaiian Visa Signature is shown on the BoA site, there are actually also Platinum and Classic versions available via Hawaiian's site.

 

I say go for the Signature first if that's what you want, but if you're denied I suspect they might automatically approve you for the Platinum instead, or if not you could call in to recon and ask for the Platinum.

 

 http://www.hawaiianairlines.com/hawaiianmiles/visa-card-programs

 

 


Hey that's an excellent point! However, I'm mainly interested in the higher bonus miles when getting the Signature.


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SwampSystems
Posts: 344
Registered: ‎06-25-2012

Re: Can I get approved for Visa Signature cards?


Objectivist wrote:

I only make $20,000 a year. I heard there was a minimum credit limit of $5,000 to qualify. No way I'll get that high of a limit. My highest limit right now is $3,000. There are a lot of Visa Signature cards that I won't though such as the BofA Hawaii card. Any chance for me getting this?


Try speaking to an underwriter/analyst at Bank of America to see if that card has a minimum credit line required for approval. Some banks (Barclays, for instance) will not issue a Signature card under $5k, but others will.


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