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Duck card approval profiles

Valued Member

Re: Duck card approval profiles

Applied Oct.12 for the Duck card. Received Instant Approval. Didn't bother to call and ask CL. Waited it out and finally received a letter  with my credit score on Friday Oct. 18

EQ score of 819. Oldest account is 16 years 10 months old. AAOA is 7 years. My utilization at time of application was 6%. No negatives on any of my CRs

4 INQ on EX, 3 INQ on EQ, 4 on TU. Received the card in the mail today with a $15000 CL and APR is 9.99%

 

 

I'm currently in the rebuilding phase. Just recently applied and was approved for Discover IT ($1500) and Capital One ($300) in August.

 

Debating whether I want to try for the Beaver card too. I may use the card well for a few months just to establish a good relationship with them before trying for the Beaver card.


Starting Score: 540
Current Score: EX 770 EQ 775 TU 794
Goal Score: 800


Take the FICO Fitness Challenge
Message 281 of 620
Established Contributor

Re: Duck card approval profiles

Congrats! Thats an excellent limit.

 

None of us have made an attempt at both the Duck and the Beaver.  I think I would be cautious about that since it is a smaller credit union.  Wouldnt want to frighten them.

Message 282 of 620
Established Contributor

Re: Duck card approval profiles

app'ed 10/18/2013 reveived 7-10 days . called this morning was approved for 20K CL. 4x inquiries,1 paid CO,5 new accounts in 3 months fico score 702. Personal income x,xxx,xxx,xx Business income xx,xxx,xxx,xx.Trying recon for 100K.They said they can give me Max limit right now for 50K if i fax last year tax return or bank statement, thats fine i'll fax it tomorrow.

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 283 of 620
Valued Member

Re: Duck card approval profiles

Thanks, DiabolicallyRandom. Congrats to you too on the approval and CL. I was just happy with the nice CL. This should help me establish a better credit history. Definitely help with Utilization. Maybe in a few months I can use this credit limit to talk Discover and Capital One into giving me larger CL. Not holding my breath on Capital One.                  


Starting Score: 540
Current Score: EX 770 EQ 775 TU 794
Goal Score: 800


Take the FICO Fitness Challenge
Message 284 of 620
Valued Member

Re: Duck card approval profiles

Now I am curious about CLI. They seem to be generous with inital CL. This card by far is my largest CL.

Time will tell if they are also generous with  CLI.


Starting Score: 540
Current Score: EX 770 EQ 775 TU 794
Goal Score: 800


Take the FICO Fitness Challenge
Message 285 of 620
Highlighted
Moderator

Re: Duck card approval profiles

Wow trishN!! Youre on a roll. Excellent data point about maximum CL as well
Message 286 of 620
Established Contributor

Re: Duck card approval profiles

DH just got his denial letter.

SERIOUS DELINQUENCY
LENGTH OF TIME ACCOUNTS ESTABLISHED
TOO MANY INQUIRIES

Pulled EQ. Score 631.

He has under 10 inqs. I have 30. Lol! But his credit record is worse than mine.

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 287 of 620
Valued Member

Re: Duck card approval profiles

FWIW I was approved with 33% util, however I am high earner.

 

Got congrats instant approval mesasge and says card will arrive 7-10 days (not to be confused with 7-10 day message).

 

My highest CL's are in the 30-50k range so I am interested to see what this one is since I have seen some high lines with people here with less profile than mine Smiley Happy

 

Message 288 of 620
Frequent Contributor

Re: Duck card approval profiles

Am I way off in concluding that the Duck/Beaver card is best for people with already high scores and the necessary incomes for high initial CL's but who currently don't with other lenders for whatever reason? 

 

Cat Frustrated

  (Hover over pics for details) 
FICO:  TU 731 (05/14/14)   EX 749 (04/24/14)   EQ 684 (02/05/14)   Goal 700
FAKO:  TU 761 (05/20/14)   EX 761 (05/20/14)   EQ 743 (05/20/14)
Message 289 of 620
Senior Contributor

Re: Duck card approval profiles

Based on the profiles and CLs and declined, I would say that is accurate. It's probably a good alternative for people who can't get into Navy, to get a cc with high CL. But they need the good credit first.
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 290 of 620