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Anyone know if this is a hard card to get approved for? I'll be in the garden until 11/5/13 and was thinking of getting one around that time you use the financing option next year for a vacation.
I am interested too. I was planning a Disney vacation and with the 0% finance it would be a great option. I was thinking of applying in November for it when they do the free meal plans.
@enharu wrote:
It depends on what your definition of hard is.
To me it's relatively easy to get compared to CSP but still a lot harder compared to other subprime cards.
Can you tell us more about your profile?
@Both BoA cards opened Feb. one is 99/500CL Cash Back and other is 300/300CL. VS opened Apr. 750CL. Total card util. @ 9%. Auto loan 18 months old 7500/10000 @ 75% Debt to Credit, no lates on anything. AAOA is down to 6 months. Overall util. @ 67%. Hope this gives you a good profile.
@CREDITSURFER wrote:
@enharu wrote:
It depends on what your definition of hard is.
To me it's relatively easy to get compared to CSP but still a lot harder compared to other subprime cards.
Can you tell us more about your profile?@Both BoA cards opened Feb. one is 99/500CL Cash Back and other is 300/300CL. VS opened Apr. 750CL. Total card util. @ 9%. Auto loan 18 months old 7500/10000 @ 75% Debt to Credit, no lates on anything. AAOA is down to 6 months. Overall util. @ 67%. Hope this gives you a good profile.
That AAoA sounds killer, but tbh, not sure how Chase is re: AAoA.
myFICO (733) 4/13, EQ (670) 5/15, TU (670) 5/15, EX (694) 5/15, CKarma (670), CredSes (699), Quizzle (713)
INQ: 7 EQ, 5 EX, 3 TU.
@ 11/3/13 ill only have 1 EQ, 3 EX, 1 TU
@CREDITSURFER wrote:Anyone know if this is a hard card to get approved for? I'll be in the garden until 11/5/13 and was thinking of getting one around that time you use the financing option next year for a vacation.
I agree with other you should be OK at the end of the year as long as you get that util down.
My overall util.?
Cards are @ 9%, car @ 75% overall with revolving/installment is @ 67%
I keep my revolving at 9% each month for scoring purposes, car in 6 months i can get down to, 66% so in 6 months I would be around 59% overall.
@CREDITSURFER wrote:Anyone know if this is a hard card to get approved for? I'll be in the garden until 11/5/13 and was thinking of getting one around that time you use the financing option next year for a vacation.
I see it as a middle-of-the-road card, not hard but not easy. Wow...I feel like a wishy-washy politician with this answer...