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Established Member
tyler6883
Posts: 15
Registered: ‎04-04-2011
0

Re: Duck card approval profiles

I applied for the duck card about 6 days ago, today I received a letter stating my credit score of 692, they pulled Equifax. No indication of denial or approval though, curious...

Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013
0

Re: Duck card approval profiles

I sort of wonder how much of a recon and of these 7-10 days have been. It seems like most of us seem to get 7-10 days and we havent seen anyone that was actually denied then had to recon in order to be approved.

Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013
0

Re: Duck card approval profiles

Thats the same letter I got a few days before the card arrived.  You should call. I bet it was approved.

Established Member
tyler6883
Posts: 15
Registered: ‎04-04-2011
0

Re: Duck card approval profiles

Did you just call the main number or is there a specific number for application inquires?

Valued Contributor
12njoy
Posts: 1,360
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

Here goes a big denial that I should have seen coming:

 

I app'd for Duck card with stats:

EQ pulled 665

AAoA 3.4 years

Util 5%

3 paid CO (4.8 years old at time)

Reason for instant denial - charge offs

Reconn'd - same reason

EX FICO: 680 EQ FICO: 693 TU FICO: 705 (All lender pulls)
Total Credit Limits: $206,100 (July 2013 starting credit limits totaled $2,700) - Goal Met!!!
current utilization: 1% - current AAoA: 1.5-2.2 years
In my wallet: Amex, Barclays, BofA, Chase, Discover, 5/3, GECRB, NASA FCU, NFCU, State Farm, USAA, US Bank, Wells Fargo, etc... Missing from my wallet: CITI :smileysad:
Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013
0

Re: Duck card approval profiles

 I think most people have either been calling 800-365-1111 or 855-885-8472.

Senior Contributor
B335is
Posts: 3,316
Registered: ‎09-22-2012
0

Re: Duck card approval profiles


bichonmom wrote:

I'm hoping that they're lenient on util, which I haven't seen yet. It seems everyone who has been approved has had really low util. And one person said they needed to recon because of over 20% util on their CR. My util will be at around 22-25% after my CR updates this next week, so I am thinking about apping then. But if util is an issue, mine may be too high for them.


I really think they are fairly lenient on util.  I'm pretty sure that poster said the topic came up on the verification call.  I would be surprised if 25% is too high for them.

Senior Contributor
B335is
Posts: 3,316
Registered: ‎09-22-2012
0

Re: Duck card approval profiles


12njoy wrote:

Here goes a big denial that I should have seen coming:

 

I app'd for Duck card with stats:

EQ pulled 665

AAoA 3.4 years

Util 5%

3 paid CO (4.8 years old at time)

Reason for instant denial - charge offs

Reconn'd - same reason


Wow, sorry.  Thanks for sharing this, it's going to help a lot of people who may be thinking about app'ing for it.  How old are the charge-offs?  

Mega Contributor
Creditaddict
Posts: 19,535
Registered: ‎10-23-2007
0

Re: Duck card approval profiles


12njoy wrote:

Here goes a big denial that I should have seen coming:

 

I app'd for Duck card with stats:

EQ pulled 665

AAoA 3.4 years

Util 5%

3 paid CO (4.8 years old at time)

Reason for instant denial - charge offs

Reconn'd - same reason


THANK YOU... now I don't need to apply because you have some VERY nice cards and they still didn't like you!

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013
0

Re: Duck card approval profiles


12njoy wrote:

Here goes a big denial that I should have seen coming:

 

I app'd for Duck card with stats:

EQ pulled 665

AAoA 3.4 years

Util 5%

3 paid CO (4.8 years old at time)

Reason for instant denial - charge offs

Reconn'd - same reason


Sorry to see that you got denied.  A bit surprised to see that with the other cards you have.


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