Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 756
Registered: ‎03-26-2010
0

Help,Pre-Approval for Midnight Velvet

 

 

Does anybody know anything about any of these? Do they report at all? What are your Experiences? I received a pre approval catelog in the mail. Is it worth it? It all looks pretty expensive. They all have different looking cards.

 

Thanks!

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa |
Contributor
Posts: 90
Registered: ‎01-07-2010
0

Re: Help,Pre-Approval for Midnight Velvet

I have an account with Swiss Colony the prices are high on somethings, but I like them. Started out with a 500 CL now 750CL. I hate to tell you that they don't report to the CB, only if you don't pay them of course. Anyway I say go for it. They're pretty easy to get credit with.

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0

Re: Help,Pre-Approval for Midnight Velvet


jeffery581 wrote:

 

Does anybody know anything about any of these? Do they report at all? What are your Experiences? I received a pre approval catelog in the mail. Is it worth it? It all looks pretty expensive. They all have different looking cards.

 

Thanks!


Do you want to buy stuff from them? (seems doubtful, since you're not particularly familiar with them)

 

Are you trying to open some new credit lines? If so, what's your goal? --reduce overall util, increase number of clean tradelines, collect a stack-o'-plastic

 

From what the previous poster wrote, they don't report to the bureaus, so they won't do anything for your scores and credit profile, unless you mess up.

 

Not sure why anyone would want credit from a store they've never heard of... Smiley Happy

 

I do know that The Swiss Colony softed me once. I had no idea why, or who they are, or why they decided to soft me. Mysteries of catalog shopping, I guess.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Frequent Contributor
Posts: 293
Registered: ‎02-08-2010
0

Re: Help,Pre-Approval for Midnight Velvet

I got the card and used it a couple times! But i believe that they pull credit for each order you make. I wish they reported, I have a $1100 limit.
06/14/16 - FICOs - EX 720, EQ 770, TU 720
Valued Contributor
Posts: 1,865
Registered: ‎09-20-2011
0

Re: Help,Pre-Approval for Midnight Velvet


Boonie wrote:
I got the card and used it a couple times! But i believe that they pull credit for each order you make. I wish they reported, I have a $1100 limit.

If true that would make them pretty much the worst creditor out there, I find it hard to believe anyone could be that horrid.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.