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Established Contributor
Posts: 849
Registered: ‎03-09-2013
0

Re: Duck card approval profiles

Hmmm.... Now it appears we only have half a denial lol

 

The age of the charge offs seems like the most logical.  I wouldnt think that adding more new accounts would change it.

Valued Contributor
Posts: 2,944
Registered: ‎09-11-2013
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Re: Duck card approval profiles

@everyone,

 

Obviously, I'm new to the Boards.  they have been very helpful.  It appears that I have been communicating about the wrong card.  I thought the Discover card was called the Duck card.  I did some research and I believe the Duck card is Oregon Community Credit Union or something like that?  I apologize for jumping in and hyjacking this thread.  I was approved for the Discover card today, not the Duck card.  Anyways, I still give a shout out to Ravensfan2001 for giving me the courage to hit submit again.

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $468,800 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Capital One (45k), Chase(34k), CITI(5k), Diners Club(30k), Discover(16.5k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(72k), USAA(48k), US Bank(6.5k), and Wells Fargo(37.5k).
Established Contributor
Posts: 849
Registered: ‎03-09-2013
0

Re: Duck card approval profiles

[ Edited ]

LOL

 

Well, congrats are still in order for your approval for the Discover It card.

 

 

Now we have 0 denials.

Established Contributor
Posts: 781
Registered: ‎08-30-2013
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Re: Duck card approval profiles

@12njoy: Was it the Discover card also that you app'ed for back in August by mistake? My profile: scores are EQ fico-699, EX fico-669, TU fico-704. 1 CC CO (Cap 1) and 3 public records-ALL PAID--current util about 6%, 8 new TL's from mid Aug. to mid Sept. but no lates in at least the last 7 years.

Valued Contributor
Posts: 2,944
Registered: ‎09-11-2013
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Re: Duck card approval profiles

@credit-hoarder,

 

Yes I app'd for Discover card on August 6th and was denied and approved today for the $6,500.  How old is your public records?

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $468,800 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Capital One (45k), Chase(34k), CITI(5k), Diners Club(30k), Discover(16.5k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(72k), USAA(48k), US Bank(6.5k), and Wells Fargo(37.5k).
Valued Contributor
Posts: 2,944
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@DiabolicallyRandom,

 

Thank you.  The Duck card seems to have great rates. 

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $468,800 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Capital One (45k), Chase(34k), CITI(5k), Diners Club(30k), Discover(16.5k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(72k), USAA(48k), US Bank(6.5k), and Wells Fargo(37.5k).
Established Member
Posts: 36
Registered: ‎05-06-2013
0

Re: Duck card approval profiles

I busted out of the garden a month early to apply for this on Friday 10/11. Applied online, got the 7-10 day message, went thome, got drunk... (j/k)

 

Got an Identity Guard alert that they pulled Equifax (3 INQs past year)

 

This morning had VMs on my cell and work phone from 855-604-3243. Called them back, they wanted to verify my address and confirm some lines on my report.

Approved for $12,000 line, should get the card in 7-10 days!

 

 


BK 7 Discharged April 2010 | Current Lines:  OCCU Duck Visa $12,000 | Alliant FCU Platinum Visa, $15,000 (25% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010, not reporting due to changeover from Cap 1). I also have a number of other closed accounts reporting paid as agreed/good standing going back ten years or more.

 

Most recent scores (Oct. 4 2013): EQ 675 | EX 722 | TU 713  Annual income $82K

Gardening at least until April 30 2014--
FICO: 695 (as of 3/27/2014; M&T Bank Beacon 5.0 EQ FICO) | BK 7 Discharged April 2010 | Current Lines: OCCU Duck Visa $12,000 (1% util, opened 10/2013) | Alliant FCU Platinum Visa, $15,000 (5% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010 | M&T Bank Checking Overdraft LOC $500 (0% util, opened 1/2007)

Most recent scores (March 26 2014): EQ 701 | EX 751 | TU 705
Valued Contributor
Posts: 2,944
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

Wow

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $468,800 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Capital One (45k), Chase(34k), CITI(5k), Diners Club(30k), Discover(16.5k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(72k), USAA(48k), US Bank(6.5k), and Wells Fargo(37.5k).
Established Contributor
Posts: 849
Registered: ‎03-09-2013
0

Re: Duck card approval profiles


MC9199 wrote:

I busted out of the garden a month early to apply for this on Friday 10/11. Applied online, got the 7-10 day message, went thome, got drunk... (j/k)

 

Got an Identity Guard alert that they pulled Equifax (3 INQs past year)

 

This morning had VMs on my cell and work phone from 855-604-3243. Called them back, they wanted to verify my address and confirm some lines on my report.

Approved for $12,000 line, should get the card in 7-10 days!

 

 


BK 7 Discharged April 2010 | Current Lines:  OCCU Duck Visa $12,000 | Alliant FCU Platinum Visa, $15,000 (25% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010, not reporting due to changeover from Cap 1). I also have a number of other closed accounts reporting paid as agreed/good standing going back ten years or more.

 

Most recent scores (Oct. 4 2013): EQ 675 | EX 722 | TU 713  Annual income $82K


Congrats!  It looks like they are bankruptcy friendly as well.

Established Contributor
Posts: 781
Registered: ‎08-30-2013
0

Re: Duck card approval profiles

@12njoy: My derogs (PR's) range from 2 to 6 years. 2 of them fall off in a little less than a years from now. Discover gave you an excellent CL. They only gave me $1400 back in Aug. but I was d**n glad to have the card b/c it was my first prime card since my rebuild. Are you going to try for the Duck Card also now that you have Discover?

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