10-06-2012 02:06 PM
Yes she wants it now. She is taking a trip next month and would like to put it on the priceline card
does she have inq on her reports? i mean obviously shes going to app anyways. the worst they can do is say no.
im guessing you jointly opening the account is out of the question?
|Current: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
10-07-2012 10:40 AM
She got approved for the priceline card this morning through the backdoor number for 500.00. She just called me and asked me to ask you guys if there is a way that she can get atleast 1200 for a upcoming trip?
10-07-2012 10:43 AM
Did she have to call the backdoor number for a recon? If so I think calling them back for a CLI would be too much too soon.
10-07-2012 10:59 AM
Two days ago, I put my brother's tuition bill to my Barclay's Rewards World MC. It was only like $1200. Barclays didn't approve it because the account is new. I called them to find out what's going on. I was directed to credit analyst. He asked me a whole bunch of question to verify my ID and made sure they didn't open the account by mistake. I'm sure they pulled credit report all that day because they put me on hold for couple of minutes. Finally, they approved the transaction after answering Lexis Nexis questions. It is not a good idea to put a big purchase expecially a brand new account.
10-07-2012 05:16 PM
Either way, I agree with Shogun....if she had to go to recon to get the card in the first place, an instant CLI to $1200 is not in the cards. (Pun intended)
Maybe she can use it to pay for just part of her trip. Or, depending on Barclays policy, maybe she can prepay say $1000 to the card, wait for it to post, and then buy the $1200 trip against that credit, leaving her with a $200 balance on the $500 limit and earning her full points on the purchase. But I'd definitely ask them before doing that to confirm she will still get full points if she does it that way. Otherwise, it'd be an empty effort.
Patience is one of the most difficult aspects of growing your credit, but it's a necessary part of the process. 6 months from now, if she manages the account well, that CLI will not be unreasonable to ask for or unlikely to be approved. A year from now, when that repo is gone from her credit report, she'll be looking even better.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.