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: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: 31k+
Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO