04-15-2013 10:02 AM
I'm making my way over there to the garden, just a quick detour through Alliant CU for a low APR visa and then straight on to tend the vegetables.
What APR did they give you or did you apply for?
04-15-2013 10:25 AM
I got 20.99% on the Sallie Mae card. I'm actually calling right now to recon.
will update in a few minutes.
04-15-2013 10:30 AM - edited 04-15-2013 10:32 AM
Got a young sounding guy who really sounded disinterested. Had his mind made up 3 seconds into looking into my report.
I guess Barclays is like Chase, you really have to get the right analyst.
No dice. not enough history on my newer higher limit cards. blah...ohh well. this will be my gas card going forward.
04-16-2013 12:49 AM - edited 04-16-2013 12:50 AM
Obtaining the Sallie Mae Mastercard is well worth falling out of the garden, at least.
Congrats!! Now pick up that bag of cow dung and get back to fertilizing.
04-16-2013 04:41 AM
04-16-2013 05:49 AM
04-16-2013 06:02 AM - edited 04-16-2013 06:03 AM
Sometimes you just need to step back and consider whether you REALLY need the card or just want some "approval gratification".
A few months ago, I went on an approval gratification spree which cost me my ability to get the Chase cards I really would put to use. It also kept me from getting an instant approval on USB Cash+ and a couple others. Every card I aim for now has a purpose and reason. My wallet and sock drawer have found religion.
Always first consider your long term strategy with credit. If you're getting a mortgage within the next year, stay the hell away from this forum.
If your'e building or rebuilding, try to get a "credit-wise/credit-healthy" family member or trusted friend to add you as an AU to grow your report, do not ask for or accept the actual card.
And most importantly, always always always stay away from CreditOne, Matrix, and FPB. Merrick is ok.
For those with 10+ years AAoA, very established relationships with Amex/Chase/NFCU, moderate to high income, and who churn sign up bonuses every 6 months, you are gods. We're not worthy.
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.