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Frequent Contributor
Posts: 463
Registered: ‎06-13-2012
0

My First Premier preapproval woohoo

36% APR, 175.00 dollar AF 49.00 after first year, 174.00 monthly maintenance fee after the first year at 14.40 per month.  What an offer I think I'm gonna pull the trigger on this one.   Someone stop me now.  :smileylol:  You know even when I was in credit hell and no one wanted me I knew this was a bad deal, how do they get any customers at all?  I went six plus years in a cash only world while getting myself back together I've thrown so many of FP and Credit One's away I could have filled my own landfill.  But now I have better.  My advice to anyone run far away from those two.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

Re: My First Premier preapproval woohoo

Hurry up and apply now - you don't want to miss out in case they withdraw their preapproval... :smileytongue:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: My First Premier preapproval woohoo

Looking back at this card.....well... speechless lol

 

However, it does get me where I am today.  I axe'd it after 4 years.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
Posts: 554
Registered: ‎09-28-2012
0

Re: My First Premier preapproval woohoo

It is way overdue. I am putting mine to pasture in Jan.  Some how yet I still hate capitol one more. Must be that broken graduration promise.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: My First Premier preapproval woohoo

txt me if they denied you....i would hand you their number in case if you might need to recon lmao


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
Posts: 425
Registered: ‎05-16-2012
0

Re: My First Premier preapproval woohoo


wreith wrote:

36% APR, 175.00 dollar AF 49.00 after first year, 174.00 monthly maintenance fee after the first year at 14.40 per month.  What an offer I think I'm gonna pull the trigger on this one.   Someone stop me now.  :smileylol:  You know even when I was in credit hell and no one wanted me I knew this was a bad deal, how do they get any customers at all?  I went six plus years in a cash only world while getting myself back together I've thrown so many of FP and Credit One's away I could have filled my own landfill.  But now I have better.  My advice to anyone run far away from those two.


I got a similar one a week ago too, was from a diff company though, can't remember off the top of my head. It was my first CC pre-approval, I lol'd in the post office.

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Established Contributor
Posts: 554
Registered: ‎09-28-2012
0

Re: My First Premier preapproval woohoo

I just realized you typed 36, not 30 lol.. They are going up I see. My card is only 20% apr though. I got it before all banks got out of secure card busniess.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: My First Premier preapproval woohoo

Mine was at 49% APR :smileyvery-happy:

 

Never got a dime of interest from me, kept for 12 months then AXED IT!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Posts: 74
Registered: ‎10-06-2012
0

Re: My First Premier preapproval woohoo

I just closed my two FP cards. It was a very happy day for me. I'll never have to log onto their stupid website and see that dumb lion again.
I was late with a payment one month and they called and I told them I would send a payment in 2 weeks, I was having cash flow problems. They called me everyday asking for payment. So annoying
11/09 EX 564
10/12 EX 673 TU 674
1/13 TU 686
2/13 EX 701
Goal 750+
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