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

Valued Member

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

OK guys and gals... I too recieved the invite and ok I took the plunge and signed up. It did not give me an instant decision and as of now (4 hours later) I have not had a hard pull on any of my monitored bureaus. I emailed them and they responded that reviews are common and I should know in 30 days. I will recon tomorrow as there office was closed. I did it for the interest in a new company trying a new thing. I did the LCard from Lendup when it came out also and I am not one who cares about AF's. I am at the six month mark next month with LCard and they are suppose to double my limit. 300/600. There were only 98000 invites for this new card which made it interesting to me. I will update tomorrow on what they say on my recon. Wish me Luck...

 


Rebuilding as of 02/02/2016 All scores started low 500's
As of 09/27/2016 EX Fico: 700 TU Fico: 760 EQ Fico: ?

BofA Secured: 300 Sams M/C: 12000 Marvel M/C: 10000 PayPal Ex M/C: 10000 TJX M/C: 2200 Amazon Prime: 10000s Cap 1 QS 1: 2200 Credit One: 700 Lendup Visa: 300 PenFed Promise: 3000 Kohls: 400
Macy's: 500 Bealls Outlet: 300 HSN Store: 2750 Wayfair: 500 Boscov's: 1000 Buckle: 250

In the Garden till May 2017
Message 11 of 38
Established Contributor

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

If there are 98000 invites sent out, must be a CC GRAB going on. Becuase the invite "expires" in 10 days...LMAO. I'm just going to delete mine.

Open Sky VSA: $375 | First Progress MC: $404 | CapOne MC: $605 | CapOne QuickSilver MC: $2150 | Cabela's VSA: $4000 | Barclaycard® Rewards MC: $1000 | Blaze MC:$1500 | First Savings MC: $1500 | Legacy VSA:$1750 | AMEX BCE®: $3000 | Discover It Card: $3800 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus® Explorer: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | Sams Club:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon Store: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $2000 | Abercrombie: $1350 | Express: $2400 | Buckle: $1500 | Kay: $6000 | PayPal: $2774 | Overstock: $6200 | SMG VSA: $3000 | Citi® AAdvantage: $14500
Message 12 of 38
Established Contributor

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

Yea I think I remember there were about 33k+ ahead of me when I signed up (hazy memory)
Message 13 of 38
Community Leader
Super Contributor

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

i got the email and applied, got the under review message. Im pretty sure it will be a decline.

 

Your application was submitted!

Hi #####,

We received your application and we're working to get you a decision as quickly as possible.

In the meantime, if you have any questions about your application or are having trouble accessing your account, please email us at #### or call Final Customer Support at ######

Yours truly,
- Final Support Team

Message 14 of 38
Valued Member

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

Update: I just tried calling the number for customer service at around 10:00 Arizona Time. Went right to a message that no one is available and if I want to leave a call back number for a call back. As of this minute no pull on my credit bureau's. lol


Rebuilding as of 02/02/2016 All scores started low 500's
As of 09/27/2016 EX Fico: 700 TU Fico: 760 EQ Fico: ?

BofA Secured: 300 Sams M/C: 12000 Marvel M/C: 10000 PayPal Ex M/C: 10000 TJX M/C: 2200 Amazon Prime: 10000s Cap 1 QS 1: 2200 Credit One: 700 Lendup Visa: 300 PenFed Promise: 3000 Kohls: 400
Macy's: 500 Bealls Outlet: 300 HSN Store: 2750 Wayfair: 500 Boscov's: 1000 Buckle: 250

In the Garden till May 2017
Message 15 of 38
Super Contributor

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

So this turns a $0 liability into (after first year) a guaranteed $49 liability, plus loss of rewards compared to using a card that gives more than 1%?

Message 16 of 38
Valued Member

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

Update: So I tried calling customer service again and no answer. Sent an email to the Team advising them of the situation and that I am reviewing this process on MyFico and it is not looking to exciting at this time and wanted to know what was up with the application. Got a response an hour later with 

 

Louis, congratulations, your application was excepted!

Your account has a credit limit of $5000.00

The current APR is 18.00%

 

Not a bad starting limit for a startup company.


Rebuilding as of 02/02/2016 All scores started low 500's
As of 09/27/2016 EX Fico: 700 TU Fico: 760 EQ Fico: ?

BofA Secured: 300 Sams M/C: 12000 Marvel M/C: 10000 PayPal Ex M/C: 10000 TJX M/C: 2200 Amazon Prime: 10000s Cap 1 QS 1: 2200 Credit One: 700 Lendup Visa: 300 PenFed Promise: 3000 Kohls: 400
Macy's: 500 Bealls Outlet: 300 HSN Store: 2750 Wayfair: 500 Boscov's: 1000 Buckle: 250

In the Garden till May 2017
Message 17 of 38
Established Contributor

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

Lolm looks like the "I am reviewing this on MF" got their attention. I may pass on this card for now, it looks good but rewards? not so much. Also they have one APR so it doesn't matter if your score is 700 or 850.

But congrats to you Louisrovella
Message 18 of 38
Valued Member

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

Honestly I am doing what I am doing because of the Syncrony Bear. I have 5 accounts with them and I carry a small balance on one and PIF on the others. That being said... if they decided to BLUE me I want to be prepared with back up CL's so it won't tear my profile down from 60,000 to 15,000. So I am padding my profile just in case. So rewards are not an issue with me at this time as my spend is not great. I'ts all about the rebuild and securing my profile.


Rebuilding as of 02/02/2016 All scores started low 500's
As of 09/27/2016 EX Fico: 700 TU Fico: 760 EQ Fico: ?

BofA Secured: 300 Sams M/C: 12000 Marvel M/C: 10000 PayPal Ex M/C: 10000 TJX M/C: 2200 Amazon Prime: 10000s Cap 1 QS 1: 2200 Credit One: 700 Lendup Visa: 300 PenFed Promise: 3000 Kohls: 400
Macy's: 500 Bealls Outlet: 300 HSN Store: 2750 Wayfair: 500 Boscov's: 1000 Buckle: 250

In the Garden till May 2017
Message 19 of 38
Valued Contributor

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

Just so you guys know, BOTH Bank of America and Citi Cards have virtual account numbers. 

 

I use them both on my citi double cash and BOA BBR cards.

.
Message 20 of 38