10-12-2013 03:33 PM
Since several of us have been getting the Duck card, I thought it might be helpful to start a thread with the approval info so we'll all have a reference.
If you've gotten the card, it would be great to know the CL you got, your FICO, util and AAoA and anything else you'd like to share. Also, who they pulled.
I don't recal any denials, but if you weren't approved, it would also be helpful to have the same info and their reason for denial.
There was a post stating that their min FICO requirement was 720, and it seems they usually pull EQ.
10-12-2013 05:29 PM - edited 10-12-2013 05:34 PM
733 FICO according to the letter they sent
5% or less utilization
CK AAoA was 2.9 yrs, but I do have closed accounts that CK doesn't factor (and that is from my TU report)
Oldest account 8yrs +
Highest reporting limit $5k
3 inqs in the last 3 mos, 15 1+ yrs old = 18 total inqs
Approved for $15k
I had a fraud alert, so they called about a week after app, verified identity, gave me CL info. About a wk later, cs letter arrived. Card arrived next day.
10-12-2013 07:55 PM
Thank you for the info! Congrats!
10-13-2013 12:37 AM
10-15-2013 01:40 PM
10-15-2013 01:49 PM - edited 10-15-2013 01:49 PM
Applied online and received 7-10 day message. Called today for recon and was approved for $10K. EQ 717, AAOA 4 yrs 7 months. 22% util (explained during the recon that two cards paid in full had not hit my report yet. Util 5% when they report) 3 inqs for recently opened BCP and CSP and Citi Best Buy CLI.
Did they indicate whether the 22% UTL was an issue for them?
Edit: P.S. CONGRATS! WOOOHOOOOOOOOOOOOOOOOO!
10-15-2013 01:56 PM - edited 10-15-2013 02:00 PM
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