12-15-2009 12:17 PM
12-15-2009 12:36 PM
12-15-2009 12:52 PM
12-15-2009 09:46 PM
Honestly, Im sorta chicken to apply for the store card after reading all the comments about it... Im not sure I'll qualify and don't want to blow an inquiry on a denial. If you're denied a store card does it automatically consider you for a MC? Ive read all the posts, but haven't really found any specific comments about whether or not it automatically considers you for a MC.
IME the answer would be no. I app for the regular store card in August & was denied. I filled out a separate app for the RZ MC & was approved for $510 with $59 AF. (which I now wish I hadn't taken as I have other CC w/no AF) It was 2 different hard pulls on my EQ report & they will not take one of them off.
in my case yes, i was counter-offered the MC.
12-26-2009 07:24 AM
12-26-2009 08:17 AM - edited 12-26-2009 08:21 AM
Last Saturday, I went to Reward Zone pre-appoval link to apply for the card and I got pre-approval for Reward Zone Platinum MC. I went ahead to apply for the card and I got instantly approved for $6000. They pulled EQ. My EQ score was 745 as of Nov. Over a year ago, I applied for the card and I got approved for Gold MC with $59 AF. They offered me $450CL with $29AF. I denied their offer and closed without activating the card.
12-26-2009 09:05 AM
So using the link you provided, they will not perform a hard pull?
I tried it out just for fun and got this message:
Congratulations! The information you provided us
has pre-qualified you for the following credit card offer(s).
There was a button to "apply for this card" (which I didn't press) below it so I'm pretty sure it doesn't do a hard pull until you press that button. Just like the Orchard Bank website does, I believe. I was pre-qualified for a Platinum card, FWIW, in case anyone was wondering.
have u applied for the platinum card?
12-26-2009 02:54 PM
Ohkay, I applied and was approved for the secured Reward Zone MC. I called HSBC, and they told me I still get the rewards, and my card will graduate! I don't want to pay the AF though. I think I might just get the Orhcard Secured with the first year AF waived, and then apply for the Reward Zone card in December 2010. I'm not sure which card to get, and I never carry a balance.
As a Moderator, it is my responsibility to make sure this board stays clean, to rid this place of spammers and trolls, but also to uphold the TOS of this site which includes ridding it of posters who are unethical or break the law. On aspect of that is reporting any crime to the appropriate officials. It is a crime for three reasons: 1) the signed app in your electronic sig starts, "under penalties of perjury..." in that you have to provide all truthful info, 2) ID theft or misrepresentation; you lied about your age, assuming you didn't steal anyone's ID, and 3) lying to obtain good or services (as evidenced with each CC purchase signature). A short-term ban has been entered until this gets sorted out. - llecs, myFICO moderator.
12-27-2009 05:19 AM
To those looking yes the first part is a soft pull. Then it will go to an offer screen. It may give you offers and it may give you something like no offers available as one poster above had. This is all soft. You then select the product you wish to apply for and hit submit and that generates the hard pull for final approval/decline mode and credit limit setting. My app showed the 10-14 day message for three days before my approval showed. So if you get that after apping keep checking.
For the poster that got the platinum no annual fee offer that is the best Reward Zone MC offer you can get. The only thing better is the store card.
THe 4 levels are :
Platinum No Annual Fee
Gold No Annual Fee
Gold w/ Annual Fee and higher interest
So the platinum is your best.
which one u got approved for?
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.