So first premier sent me invite for second cc and I accepted. I cannot find where they pulled my CR.
Do you think they pulled my credit report or just went off my payment history on my first card which was perfect.
I am asking because I JUST got my ch 7 bk discharged in May and I am thinking if the new account just appears I wont get dinged for the inquiry if they did not pull CR
What are your thoughts
You can have a second FP card if you really want one.
They may have issued the new card based on the soft pulls they have already done.
For the last week I have been getting automatic messages when I check my balance on the phone about a second card... Instead of having a $300 limit, It starts off at a $400 limit. APR of 36.9% Annual fees and monthy fees galore. I asked them what they do before I applied, they told me they do a soft pull off odf TransUnion and the majority of the decision was the excellent payment history. I said, "What the heck." I will try it. I was approved. The sad part, my credit to debt ratio was almost at 100% and I was still approved. I also asked if I could put a request in for a credit increase on my first card. I should have my second card within ten days. Here is some more information on the second card. Hope this helps.
I know, this is going to be my second card from them, I am just getting it for the utilization. Because no one else will give me anything and my credit score is staying in the high 500's. Almost every credit card I have has a fee somewhere attached to it. So, I have to roll with the good and the bad. Fingerhut does not have an annual fee and my Milestone and Emblem cards do not either, however those cards credt limits are locked for good. Will not get any higher. So, I am just going to deal with it untill it gets better,
In response to your question I have received the same letter (My Second Card) In this letter (My Letter) It states "Your excellent Credit History with" First Premier Bank" ...................MySecond PlatinumM/Card is garanteed ...........incorrect......... I never had "FIRST"Premier Platinum M/C...When a Credit Card Company states GUARANTEED APPROVAL or GUARANTEED they are attempting to convince you to apply for this card. Why??? because the rate for purchases is 36% !!! outrageous.
According to my terms n conditions noted. I have to have an income of $10.000...What Credit Card Co. states an income of $10.000???? Ridiculous.
I would never apply for this card, to many inconsistencies....No CR pulled
Interesting...My First card with First Premier was with Centennial M/C (establish a credit history after divorce). My payments go to First Premier.So I never had a actual First Premier Card. Actually this is complicated.But they say I' approved for a second one ..Approved??? Pre-Approved offers are dings ..for me.. If they are saying I have been approved for my SECOND PLATINUM M/C Which card are they referring to? A different card co. ? And this will be my "Second"? If my acct shows I have a First Premier Platinum M/C well I don't have it..Well then Who does???