JCB California.... Requirements? Should I apply?

[Creditaddict]

I saw post other day about a JCB Card for California and high reward returns but up until then didn't know you could get a JCB in US.

Im still not sure I completely understand what the card is for based on talk of some store and membership, etc.

Would I be able to use outside this store in CA if I wasn't traveling oversears or HI?

What kind of credit card they looking for? BK Friendly? what report do they pull?

I filled out app and scanned and emailed... got note saying please mail in original, no fax or email... I scan and shred everything so before I take time to go print and fill out and pay to send again is it something I should bother with stating the things above?

Thank You.

[injustifiiable]

Step away from the app! lol

[mxp114]

Outside which store? JCB is basically a Japanese Discover card. It's accepted everywhere Discover is, due to a recent alliance between Discover and JCB for reciprocal acceptance of the two payment networks.

[Creditaddict]

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@mxp114 wrote:

Outside which store? JCB is basically a Japanese Discover card. It's accepted everywhere Discover is, due to a recent alliance between Discover and JCB for reciprocal acceptance of the two payment networks.

HMM... Anyone know who they pull, EQ like Discover?

[mxp114]

This card http://www.jcbusa.com/card_marukaica_prem.html ?

[Creditaddict]

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@mxp114 wrote:

This card http://www.jcbusa.com/card_marukaica_prem.html ?

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yes

[Crashem]

They pull experian. Can use in us where ever discover and jcb accepted. The card is partnered with Japanese store. 3% cash back is rich.

[drkaje]

I say go for it!

[Crashem]

If your true FICO is riding that mid 600's, I probably wouldn't waste the inquiry.  I believe jcb is fairly conservative.  I guess look at some of the credit card pull databases and see what their past behavior is.  But this JCB card is definitely a prime card.

[trumpet-205]

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@mxp114 wrote:

Outside which store? JCB is basically a Japanese Discover card. It's accepted everywhere Discover is, due to a recent alliance between Discover and JCB for reciprocal acceptance of the two payment networks.

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That alliance is strictly for B&M (card present) transaction.