Credit Card Center Advertiser Disclosure†
09-27-2009 02:19 PM
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
09-30-2009 12:18 PM
04-04-2012 06:07 AM
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.
04-04-2012 06:21 AM
04-04-2012 08:24 AM
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,
02-24-2013 07:40 PM
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
02-24-2013 08:10 PM
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???
02-24-2013 10:32 PM
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.