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Just got approved
- instant online approval and then called to follow up to get CL
- EQ Fico - 749, per the credit dept rep (this is exactly what myfico has for my EQ score - not sure if they used EQ or EQ card enhanced) - EQ is my lowest score of the three by around 35 points
- AAoA - 10 years, 11 months
- Zero inquiries
- Util - 31% in aggregate
- Rate - 10.99% after promotion
- CLI - $20,000
- Income - $418k
I called to speak with a credit analyst to recon the CL to a higher amount. I asked for at least 40k (I have a few cards with CL over 35-37k) and told her I am willing to submit any documentation they require. Analyst told me that the request needs to be reviewed by corporate for a final decision and they would contact me in a few days.
[edited to add AAoA and INQ info]
Approved for Ducks cousin the OCCU Beaver Card 01/12/14
EQ pull, instant approval, no derogs on file
Util 9% (on 2 cards)
AAoA 3.5 Yrs
Inquiries on file prior to app 3 total, 2 in last year
EQ Trans Risk 766
EQ Fico 773 from their letter
Limit $7500
@toi34 wrote:I just read online that the criteria for the Duck card was:
*EQ Credit Card Enhanced Score -- minimum score 695
*No baddies within the last 2 years
* 700+scores receive 5 figure limits (higher income = higher 5 figure limit)
...just thought I'd share...
But didn't a handful of people get the Duck Card with a 650-680 and at least one baddie (or a bankruptcy within the past few years)? Maybe that's just the average criteria? Where did you find this info?
@gdale6 wrote:Approved for Ducks cousin the OCCU Beaver Card 01/12/14
EQ pull, instant approval, no derogs on file
Util 9% (on 2 cards)
AAoA 3.5 Yrs
Inquiries on file prior to app 3 total, 2 in last year
EQ Trans Risk 766
EQ Fico 773 from their letter
Limit $7500
congrats
Think I just wasted a HP; EQ 659, TU 735, EX 748. No baddies in past 3 yrs except a tons of inquiries.
@gdale6 wrote:Approved for Ducks cousin the OCCU Beaver Card 01/12/14
EQ pull, instant approval, no derogs on file
Util 9% (on 2 cards)
AAoA 3.5 Yrs
Inquiries on file prior to app 3 total, 2 in last year
EQ Trans Risk 766
EQ Fico 773 from their letter
Limit $7500
With your score,, no derogs, small number of inqs... I'm surprised you didn't get a limit of 10k or more as seemed usual for the others in this thread. Still, congratulations, and it isn't a "bad" limit!
@ecxpa wrote:Think I just wasted a HP; EQ 659, TU 735, EX 748. No baddies in past 3 yrs except a tons of inquiries.
Why do you think that? Your scores seem to be within their approval range? (unless they pull EQ, I can't recall- in which case, you might be iffy to them)
So how long is it taking you guys to hear from them if you get the 7-10 day message?
@notfancy wrote:
@ecxpa wrote:Think I just wasted a HP; EQ 659, TU 735, EX 748. No baddies in past 3 yrs except a tons of inquiries.
Why do you think that? Your scores seem to be within their approval range? (unless they pull EQ, I can't recall- in which case, you might be iffy to them)
EQ is what they pull.