11-18-2013 07:55 AM
Do you join first and then app for CC's and NAV Check or is it all done at the same time?
11-18-2013 08:32 AM
Was it another HP?
11-18-2013 08:32 AM
You have to join first whether applying online or over the phone. My account was set up in minutes and I was able to apply for a credit card immediately.
+ 1 from everything I've read.
11-18-2013 08:38 AM
I applied for membership online (1 HP/TU I think), called the next day to see if I was accepted, yes, applied for cashRewards with CSR, instant approval (1HP/EQ), applied for FlagshipVisa, 3-5 day message (1HP/EQ) Denial message received, recon, denied...After all that I ended up with 2 HP 2 SP EQ and 1 HP and 1 SP TU.
I suggest you apply for everything in one day.
11-18-2013 08:43 AM
Do you suggest opening checking as well, or is savings fine?
11-18-2013 11:04 AM
@brcamacho, my cc was in the mail today!!! So for me, it was exactly 10 days (7 business days). I suggest a checking as well....the everyday checking is free and doesn't require a minimum balance or deposit.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.