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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Duck card approval profiles

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.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Senior Contributor
B335is
Posts: 4,265
Registered: ‎09-22-2012
0

Re: Duck card approval profiles

Approved for $15k
EQ pulled (live in MI)
803 score
AAoA 3 years
No negs
Established Contributor
missjae
Posts: 522
Registered: ‎07-18-2013
0

Re: Duck card approval profiles

[ Edited ]

Pulled Equifax
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 +
No baddies
Highest reporting limit $5k
3 inqs in the last 3 mos, 15 1+ yrs old = 18 total inqs
Approved for $15k
11.99% APR

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.

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Duck card approval profiles

Thank you for the info! Congrats! :smileyhappy:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Valued Contributor
DigitalArk
Posts: 1,215
Registered: ‎07-07-2013
0

Re: Duck card approval profiles

What's a "Duck Card"? :smileysurprised:


Member
kerm
Posts: 8
Registered: ‎04-14-2009
0

Re: Duck card approval profiles

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.
Valued Contributor
lhcole77
Posts: 1,391
Registered: ‎09-18-2012
0

Re: Duck card approval profiles

[ Edited ]

kerm wrote:
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!

Member
kerm
Posts: 8
Registered: ‎04-14-2009
0

Re: Duck card approval profiles

Thank you!

 

The analyst said the reason for the intial hold for review appeard to be util, yes.

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Duck card approval profiles

[ Edited ]
Congrats! Great CL. :smileyhappy:

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!


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