Credit Cards

[iwantbettercredit]

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rom828 wrote:

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Duplex wrote:
I applied online and only got an $800 limit.  How often do they give CLI?

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Wow!  I don't want to risk applying only to receive such a low CL.  Maybe these other posters applied in-store and/or for a purchase and thus received higher limits.

Any of you that got these high CLs...could you please chime in with more info:  method of apping, scores and baddies, utilization, HHI etc that may have influenced the CL decision

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After reading these posts, I decided to apply online. I have 3 baddies from 6 years ago. They were all settled and paid but are still hurting my score, Aanyway I was approved for $2000 CL. My score is 662.

[familyof5]

Wanted to spread my good news too

My DH and me went to Kay's yesterday.....he has a EX score of 567 and got approved for $550 CL, I applied too.....I have a ex score of 641 and got approved for $6500 !!!

Good Luck!

[happy0510]

Wow....please answer rom828's question! I'm soooo curious to know! I need another TL badly!

Message Edited by happy0510 on 06-18-2009 09:50 AM

[QueenBean]

I went online, put a $90 pair of earrings in my cart & then applied.  I don't know if that made a difference or not, but I'm thrilled and will LOVE those earrings!!!!

Message Edited by QueenBean on 06-18-2009 09:55 AM

[Duplex]

When I was approved online it said that my credit was available for immediate use.  Does that mean online only or in the store as well?

[mal007colm]

I applied online I did not even know you have better chance of getting approved in store. They pulled my credit report because it asked questions about my credit. I have only applied for this and a Home Depot Card in the last 2 year so I was very happy. I intend to make a purchase at the store shortly.

[familyof5]

no purchase here......just went in and applied.  they always say in store apps are better, can't remember why, though.

i believe once you get the card you can purchase on line if approved in store.  i saw the paper w/ my limit on it and he said if i wanted to buy something before i got my card, to come to the store.

my unerstanding though from another thread was you need to purchase something in two yrs or they decrease your CL....

good luck!

[jennordy]

I got approved for Kay's and two weeks later for Jared.  It is my understanding that each report as a separate TL on your credit report with the full limit of each, but you actually share the limit between the stores since they are affiliated.  I applied online, and got $2000 limit for each one.  You do not have to buy something right away to get the card.

1)  Online

2)  592 (EQ) BK discharged 3/09 - 3 public records (2 BKs and a satisfied judgment); 12 negative accounts (but all zero due to BK); 1 $710 collection still showing a balance although it is incorrect, 2 positive student loans.

3)  Zero for revolving accounts.

4)  $69,300/yr.

[favor4me2]

I went on line to purchase my Experian score and report and it said that it was an Experian Plus score. Is that a true score or a fake score? I'm interested in apping for Kays. I went to experian.com is that where I get the score?

[VEEnVEGAS]

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favor4me2 wrote:
I went on line to purchase my Experian score and report and it said that it was an Experian Plus score. Is that a true score or a fake score? I'm interested in apping for Kays. I went to experian.com is that where I get the score?

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Unfortunately, since Feb.'09 we aren't able to buy our true EX Fico score. Any EX score you purchase now is a FAKO.