09-13-2012 06:08 PM
They got me again!
American Eagle offered 15% off when I apply for a card and I needed some jeans. Hindsight tells me I should not of.
Anyways I did not get the instant approve because I had a secruity alert on TU/EX. Got a call from GE Retail confirmed some info and told me being considered for AE Store and AE Visa.
I was approved for $700 CL but she didn't specify which one she just said congratulations you have been approved card will arrive 5-7 business days.
How do I contact her??
On my Experian report it is already been reported as new account! It has been 1 day lol! But I do know it is being listed as a "Charge Account" and I have Cap1 that says Credit Card
so did I get the **bleep**ty AE Store only?
09-13-2012 06:19 PM
They definitely won't remove the inquiry. It's not like the inquiry was made in error, you applied for the card for the discount. You can of course close the account, but that seems like a little bit of a waste. Also, afaik, GECRB is not very good with recons. Remember though, it is a GE card, which means it will grow with you, and maybe even get upgraded to the visa version after a year or two.
09-13-2012 06:26 PM
If I may I would like to ask a question. Since there is a security freeze on your report(S) how did they verify your info? I know someone with the freezes on all 3 and she cant get no credit because of that. Any and all info will be helpfully. Thanks in advance
09-13-2012 06:32 PM - edited 09-13-2012 06:33 PM
At first it is basics, SSN. DoB. Full name. confirm address.
Then the questions become similar to the bureau's security questions like
Person owns property or lives in the following city
None of the above
Which of the following cities are you associated with
None of the above
and so on and so forth all are multiple choice if you are the person you claim to be you should answer them correctly unless you have discrepancies on your credit report which might be the case for your friend. If so I recommend purchasing your credit reports for all three and check them carefully.
09-13-2012 06:50 PM
you cant just call and have it removed.
you apped your stuck with it.
ge grows really well with you and can get a soft pull cli every four months. (what i plan on doing with ae and walmart.)
if you shop alot at ae its still a good card to show you can pay on time or pif if you wanted.
i got 400 on ae in july but got a citizens Bank mastercard for 2k limit in august. so anything can happen.
|Current: Discover Fico 701 10/14 Walmart Fico 689 9/14|
Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
09-13-2012 06:56 PM
With a $700 CL, the likelihood is that you got the store card; though the Visa is possible. You could call their 800# and ask or just wait to get it in the mail.
GE is notoriously fast at reporting new accts. It's like the speed of light!
09-13-2012 07:01 PM
If your GE account number starts with a 4, then it is likely you have Visa. Otherwise store card.
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