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Duck card approval profiles

Senior Contributor

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!

Message 1 of 620
619 REPLIES
Moderator

Re: Duck card approval profiles

Approved for $15k
EQ pulled (live in MI)
803 score
AAoA 3 years
No negs
Message 2 of 620
Established Contributor

Re: Duck card approval profiles

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.

Message 3 of 620
Senior Contributor

Re: Duck card approval profiles

Thank you for the info! Congrats! Smiley Happy

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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 4 of 620
Valued Contributor

Re: Duck card approval profiles

What's a "Duck Card"? Smiley Surprised

Message 5 of 620
Moderator Emerita
Member

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.
Message 7 of 620
Valued Contributor

Re: Duck card approval profiles


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!

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 8 of 620
Member

Re: Duck card approval profiles

Thank you!

 

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

Message 9 of 620
Senior Contributor

Re: Duck card approval profiles

Congrats! Great CL. Smiley Happy

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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 10 of 620