Re: Fidelity Investments American Express - Page 4 - myFICO® Forums - 1711986

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They pulled experian for me.

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 31 of 41

@zyzzus wrote:
They pulled experian for me.

sounds good

Message 32 of 41

I needed them to. I had 5 inqs on TU!

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 33 of 41

@zyzzus wrote:
I needed them to. I had 5 inqs on TU!

@Anonymous, Im sitting @ 10 for TU but under 5 for EX. - I know my CLI options are dead for a bit if i bother with the app. 5 is usually not enough for most lenders to pout and deny you though ?

Message 34 of 41

Got the card in the mail today but they didn't include my credit score. From what I understand its because I got the lowest advertized rates etc. Is there any way I can call to request it?

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 35 of 41

@zyzzus wrote:
Got the card in the mail today but they didn't include my credit score. From what I understand its because I got the lowest advertized rates etc. Is there any way I can call to request it?

You can call, but they are not legally required to give you the score.

Message 36 of 41

Which rate did you get?

Message 37 of 41

13.99

Do I call just regular customer service? I didn't think they had to but I'm curious.

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000

Message 38 of 41

That's what I got, looking at the app again:

https://www.applyonlinenow.com/USCCapp/Ctl/entry?sc=VABBUH#tc

It looks like 13.99% is the only rate they offer. It says This APR will vary with the market based on the Prime Rate.
In contrast, for the penalty rate it says:Up to 29.99%based on your creditworthiness.

Message 39 of 41

I also received 13.99% when I got it earlier this month. When I called underwriting, they wouldn't tell me my score. When I apped, they pulled EX and TU. Then a week later, they pulled EQ.

Platinum Garden Club Member

04/01/2020 - EX 849 (Credit Scorecard EX FICO® Score 8, range 300-850)
02/20/2020 - TU 850 (Discover TU FICO® Score 8, range 300-850)
03/24/2020 - EQ 884 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017

Message 40 of 41