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
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.