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Established Contributor
lhcole77
Posts: 957
Registered: ‎09-18-2012

Re: Duck card approval profiles


Credit-hoarder wrote:

Right now I'm at 699 on EQ 669 on EX with a few paid baddies and 8 fairly new TL's. Should I try it? (Supposed to be gardening)


Do you need it?




EX08 FICO 738. EQ08 FICO 736. TU08 FICO 732.
Regular Contributor
Jbb2788
Posts: 161
Registered: ‎10-09-2013

Re: Duck card approval profiles

I have low scores and I applied today...I was sitting in the 630-670 range and I received a 7-10 day message. I'll call tomorrow and get the verdict and let everyone know what the outcome was.

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Established Contributor
lhcole77
Posts: 957
Registered: ‎09-18-2012

Re: Duck card approval profiles


Jbb2788 wrote:

I have low scores and I applied today...I was sitting in the 630-670 range and I received a 7-10 day message. I'll call tomorrow and get the verdict and let everyone know what the outcome was.


Good luck! And thanks for reporting back. Curious to know what your overall UTL is too. =)




EX08 FICO 738. EQ08 FICO 736. TU08 FICO 732.
Regular Contributor
Jbb2788
Posts: 161
Registered: ‎10-09-2013

Re: Duck card approval profiles

My overall UTL is very low...I also have a ton of HP's this year because I have purchased a home, a car, and have applied for SEVERAL credit cards within the last 2 weeks. I was approved for some and I was denied for some. I'm really hoping to get this Duck Card at atleast a 5k CL. 

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Frequent Contributor
Credit-hoarder
Posts: 499
Registered: ‎08-30-2013

Re: Duck card approval profiles

@ihcole77: Yes and no....No I don't absolutely need it, but yes a high CL would help my Util. Right now I'm at about 7%. Total CL $7500 from all 8 accts. Also I doubt if everyone who's on here telling their approval stories really needed it either.

Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013

Re: Duck card approval profiles

I think most of on these forums dont actually need the credit we apply for.

Established Contributor
lhcole77
Posts: 957
Registered: ‎09-18-2012

Re: Duck card approval profiles


DiabolicallyRandom wrote:

I think most of on these forums dont actually need the credit we apply for.


Good points Credit-hoarder and DiabolicallyRandom! I am considering it too for UTL purposes.

 

Right now I am at ~25% UTL (taking advantage of some 0% cards). This would help out for sure.




EX08 FICO 738. EQ08 FICO 736. TU08 FICO 732.
Frequent Contributor
Credit-hoarder
Posts: 499
Registered: ‎08-30-2013

Re: Duck card approval profiles

@jbb2788: If you don't mind sharing, what did you app for recently and which ones were you approved?

Valued Contributor
B335is
Posts: 2,832
Registered: ‎09-22-2012

Re: Duck card approval profiles

This may or may not help anyone sitting on the fence, but OCCU has a couple of credit card options.  For me, it was a pretty easy in with a credit union - something my profile has been lacking.

 

OCCU Card Finder

Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013

Re: Duck card approval profiles

Only the Duck and Beaver Cards are open to non-members.  Thats kind of odd because it looks like those two cards have better perks than their member exclusive cards.

 

I already had an NFCU card, so it was just greed and foolishness for me.


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