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Valued Member
Posts: 48
Registered: ‎07-27-2008
0

Re: Reward Zone MC preapproval site

Just a quick question.  I got approved for the RewardsZone MC secured.  I was thinking about applying for the card because I don't currently have any open credit card and I need a secured card to start me off.   So my question is if I apply for this card can I apply for the Orchard or Household bank card at a later date or will I be denied because I have this card.
Frequent Contributor
Posts: 498
Registered: ‎01-29-2009
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Re: Reward Zone MC preapproval site

i had an open orchard when i applied for the store card and they asked me if we wanted the RZMC and we got both the same day. So in my case the one didnt prevent me from the others .

Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Valued Member
Posts: 48
Registered: ‎07-27-2008
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Re: Reward Zone MC preapproval site

Thanks Woolfman.  I guess I will give it a try.
Established Contributor
Posts: 517
Registered: ‎04-13-2009
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Re: Reward Zone MC preapproval site

I have another household card that I had before the RZMC and got approved for it. Household does allow for multiple cards. You should be ok.
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2011 Credit Goals
1. No Lates
2. Join the 700 club
3. No inquiries
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Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: Reward Zone MC preapproval site


mt2va wrote:

Binks wrote:
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.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Valued Member
Posts: 30
Registered: ‎12-19-2009
0

Re: Reward Zone MC preapproval site

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.
Super Contributor
Posts: 6,737
Registered: ‎05-23-2009
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Re: Reward Zone MC preapproval site

[ Edited ]

Last Saturday, I went to Reward Zone pre-appoval link to apply for the card and I got pre-approval for Reward Zone Platinum MCSmiley Surprised. I went ahead to apply for the card and I got instantly approved for $6000Smiley Very Happy. 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.

 

 

 

Ron. 

Message Edited by Ron1 on 12-26-2009 08:18 AM
Message Edited by Ron1 on 12-26-2009 08:20 AM
Message Edited by Ron1 on 12-26-2009 08:21 AM
Frequent Contributor
Posts: 278
Registered: ‎10-17-2009
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Re: Reward Zone MC preapproval site


Mizu wrote:

cdtotten wrote:
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?

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Reward Zone MC preapproval site


JokerG2 wrote:
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.
Frequent Contributor
Posts: 278
Registered: ‎10-17-2009
0

Re: Reward Zone MC preapproval site


okstatefan5945 wrote:

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

Secured Card

 

So the platinum is your best.


 

which one u got approved for?
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