Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: 2nd card after lackluster year with Wells Fargo Secured

[ Edited ]

Well amex denied me with a 3 bureau pull.... Bullies

 

Unsure why still waiting for denial reason application to open. I'm sure its' inquiries and derog. Oh well I will add them to the backdoor rampage tomorrow.

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: 2nd card after lackluster year with Wells Fargo Secured--- Done, to my small Garden

[ Edited ]

grrrrr amex.  I agreed to electronic consent only through email and your online application review. So they sent a physical letter. I requested them not to and if not opening up the online form then Good-day. The customer representative found it humorous, no help. The second went to go escalate the complaint and hung up on me. The third couldn't find my application or any information about me...  Wouldn't let me through pre-screen CSR. The fourth said its already sent, your bad. I called this am before you mail was sent.... Your bad. Why wasn't it stopped. It is Federal Law..... Whoa whoa. I know what the law is. I'm asking American Express... I gave specific directions not to be mailed unless by specific receive date.

 

 

Citi Recon- Oops wrong card. Can you transfer that.  No. Okay. Sir if you go to citicards.com and go to this link.... No, I don't want 6 total hard pulls from Citi. But we would love to have you as a customer. I would too Smiley Happy , so can you switch the application. I can't affect the application in anyway I can only view it. Okay, Thank you.

 

Second CSR, blah blah blah, don't want 6 inquiries. Okay let me get my supervisor who should be able to help. Hung on when putting on hold...

 

Oh well success >_>

 

Discover More Student 1.5k

Walmart 110 >_>

 

That's three, good enough for me.

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Super Contributor
Posts: 7,102
Registered: ‎12-11-2011
0

Re: 2nd card after lackluster year with Wells Fargo Secured--- Done, to my small Garden

Did you call the front end CSRs or a backdoor number? If they just hung up on me I wouldn't let them hear the end of it. I'd get that card even if my credit score was 0 Smiley Very Happy 

Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: 2nd card after lackluster year with Wells Fargo Secured--- Done, to my small Garden

Who Citi? I was doing with the second call...  Till he hung up on me on hold after 7 minutes.

 

I needed to fit Amex in before 5. I'm highly impatient on delaying tasks.

 

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: 2nd card after lackluster year with Wells Fargo Secured--- Done, to my small Garden

Citi is handicapped; special helmet type. I got a letter that I'm not denied the just want income verification.

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: 2nd card after lackluster year with Wells Fargo Secured

APPLICATION SPREE RESULTS-

 

After wheeling and dealing--

 

Walmart $150- Already reported before card arrival score is above level before app spree... Smiley Happy

Discover More Student- $1500.00- after 2nd recond, apparently 1st csr wanted co-app and gave approval wrong, senior specialist corrected and gave approval no co-app.

Capital One non-student- Limit unknown yet, call in 24-48- 0% APR till May 2013 though.

 

 

I appreciate everyone's comments and help along the way, you guys rock. I'll be in the garden for a year so till then *waves*

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Super Contributor
Posts: 7,102
Registered: ‎12-11-2011
0

Re: 2nd card after lackluster year with Wells Fargo Secured


Cranski wrote:

APPLICATION SPREE RESULTS-

 

After wheeling and dealing--

 

Walmart $150- Already reported before card arrival score is above level before app spree... Smiley Happy

Discover More Student- $1500.00- after 2nd recond, apparently 1st csr wanted co-app and gave approval wrong, senior specialist corrected and gave approval no co-app.

Capital One non-student- Limit unknown yet, call in 24-48- 0% APR till May 2013 though.

 

 

I appreciate everyone's comments and help along the way, you guys rock. I'll be in the garden for a year so till then *waves*


Congrats! I too just got walmart the other day, reported to TU today, should have the card by tomorrow I hope. Which Cap1 did you get? and also did you try calling to find out your limit, that is what I did when I got my cap1. 

Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: 2nd card after lackluster year with Wells Fargo Secured


jsucool76 wrote:

Cranski wrote:

APPLICATION SPREE RESULTS-

 

After wheeling and dealing--

 

Walmart $150- Already reported before card arrival score is above level before app spree... Smiley Happy

Discover More Student- $1500.00- after 2nd recond, apparently 1st csr wanted co-app and gave approval wrong, senior specialist corrected and gave approval no co-app.

Capital One non-student- Limit unknown yet, call in 24-48- 0% APR till May 2013 though.

 

 

I appreciate everyone's comments and help along the way, you guys rock. I'll be in the garden for a year so till then *waves*


Congrats! I too just got walmart the other day, reported to TU today, should have the card by tomorrow I hope. Which Cap1 did you get? and also did you try calling to find out your limit, that is what I did when I got my cap1. 


I called Cap1 after I sent income ver. a few days ago. He said I was approved "Welcome to the Capital One Family", I guess I was too overwhelmed for specifics lol; said to call in 24-48 to find the limit and information, other than no interest till May 2013. I'll update limit on edit when I find out.

 

lol @ you app'd Walmart... I saw you were itching at it

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Super Contributor
Posts: 7,102
Registered: ‎12-11-2011
0

Re: 2nd card after lackluster year with Wells Fargo Secured

Eh, I got approved, that is all that matters. I just wanna get the card so I can check my TU score. GE has been nice to me. They gave me PPSC before any of my cards reported, and then gave me walmart like a week later. 

Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: 2nd card after lackluster year with Wells Fargo Secured

Thats what matters!

 

Now if only walmart will upgrade in October I'll be doing something.

See you in the garden after cards report.

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.