I applied and got 7 day message, called backdoor# and was told there wasn't a decision yet. What are my chances of approval?? don't know who they pulled. fico were all above 650 in January(mortgage lender pull)lvnv and first premier 7 year old still on report and automobile late from three years ago (6 total)
Before you app think... Have you done your research of the CC? Does it fit your spending? Do you have a plan for the bonus w/o going into debt? Can you afford the AF? Do you know the cards benefits? Is it worth the HP?
No. You should put your new address on the app. When I apped for the Best Buy card last month, which was 2 weeks after I closed on our home, the sales rep put down my new address but put the 3.5 years of rental history at the old address on my app and I was instantly approved. So I would put your new address, state that you own, and put how many years you were at your old address on the app. Lenders don't like to see 1 month of history at an address. This is what the sales rep at Best Buy told me and he is the one who asked how long I was at the previous address. Then he said, "we are going to put the 3.5 years on the app". So it wasn't my idea.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Last App: 4/5/13 Gardening until July 2014