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Just got an invite to final credit card. 1% card

Established Contributor

Just got an invite to final credit card. 1% card

So I have no idea when I signed up for the beta invite but today in my email I get a link to apply. Has anyone gotten this email yet?

 

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Message 1 of 38
37 REPLIES
Valued Contributor

Re: Just got an invite to final credit card. 1% card

A few here have recieved the invite as well. Not myself but others.

694 INQs: 10717 INQs: 10715 INQs: 10Total Credit Line: $617,250
Message 2 of 38
Established Contributor

Re: Just got an invite to final credit card. 1% card

It would be an interesting card if they had offered at least 2% cashback. It has $49 AF after the first year so I don't know if this is going to be a good card to have.
Message 3 of 38
Established Contributor

Re: Just got an invite to final credit card. 1% card

So this card gives 1% cash back with an AF of $49?  Why would one want this card, is there something I'm missing?

 

EDIT:  I just googled it, and see it gives you a different credit card number to use every time which sounds intriguing.  However, I haven't had any issues with fraud on any of my cards as of the last several years so it still doesn't seem worth it to me.

Message 4 of 38
Established Contributor

Re: Just got an invite to final credit card. 1% card

Only thing that doesn't exist as far as I know, this card has virtual one time use numbers which is a good feature (Citi has it?). It also has only one APR (not low -18%). Other than that I don't see anything
Message 5 of 38
Established Contributor

Re: Just got an invite to final credit card. 1% card

I also had forgotten signing up for this one. I got the email to apply today. Verified that it's a EX pull to apply. 

 

The bank that underwrites it is First Bank & Trust in SD from what I can tell... I didn't find much when I googled them.

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 6 of 38
Super Contributor

Re: Just got an invite to final credit card. 1% card

It's some kind of new card with changing card numbers for higher security.


FICO8 EQ 758 TU 778 EX 732 Total revolving 480k







Message 7 of 38
Established Contributor

Re: Just got an invite to final credit card. 1% card

Yeppp. Got an invie as well. But I do not need more HPs...I'll wait until the end of 2017...
OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2350 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $20000 | BlazeMC: $2000 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $4300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $2000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $1600 | Express: $2400 | Buckle: $1500 | Kay: $6750 | PayPal: $2774 | Citi® / AAdvantage® Platinum: $16000 ***FICO08 as of: Dec 19th 2017-EX: 731 | EQ: 727 | TU: 756***



Message 8 of 38
Senior Contributor

Re: Just got an invite to final credit card. 1% card

I also received the same email tonight. I'm going to pass on this one.
FICO 8 Scores EQ=754 TU=783 EX=771 (INQ) EQ=13 TU=12 EX=12 TCL=$500K+
Message 9 of 38
Established Member

Re: Just got an invite to final credit card. 1% card

Note that the virtual card numbers only work for online. The physical card itself does not have dynamic card numbers (this technology does exist, but not in this card).

 

Here are some downsides of using virtual card numbers online:

https://www.mybanktracker.com/credit-cards/faq/why-virtual-credit-card-numbers-not-worth-it-167574

Message 10 of 38