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SUCCESS! Credit App Spree After Bad Credit

Valued Contributor

Re: SUCCESS! Credit App Spree After Bad Credit


jtc411 wrote:

OK, I get you on the 6.25% with the redeemed bonus.  Someone else can chime in if they'd like, but I am pretty sure you were mislead.  The Cash+ is a signature card which requires a 5k min CL.  I hope for your sake it ends up being the Cash+


Maybe underwriting made an exception...but kinda doubtful

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Regular Contributor

Re: SUCCESS! Credit App Spree After Bad Credit


Dustink wrote:

jtc411 wrote:

OK, I get you on the 6.25% with the redeemed bonus.  Someone else can chime in if they'd like, but I am pretty sure you were mislead.  The Cash+ is a signature card which requires a 5k min CL.  I hope for your sake it ends up being the Cash+


Maybe underwriting made an exception...but kinda doubtful

 


My brother is a very established banker at US Bank and I confirmed with him, no way its a cash+ under 5k.  5k CL is the bare minimum for a signature card

 


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


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Regular Contributor

Re: SUCCESS! Credit App Spree After Bad Credit


jtc411 wrote:

Dustink wrote:

jtc411 wrote:

OK, I get you on the 6.25% with the redeemed bonus.  Someone else can chime in if they'd like, but I am pretty sure you were mislead.  The Cash+ is a signature card which requires a 5k min CL.  I hope for your sake it ends up being the Cash+


Maybe underwriting made an exception...but kinda doubtful

 


My brother is a very established banker at US Bank and I confirmed with him, no way its a cash+ under 5k.  5k CL is the bare minimum for a signature card

 


Can your brother hook me up with a cash+ card?!? lol

In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Valued Member

Re: SUCCESS! Credit App Spree After Bad Credit

How long ago was your score in the 500's? What is it now?

Frequent Contributor

Re: SUCCESS! Credit App Spree After Bad Credit


roxy382 wrote:
From US Banks website... "4. Should your application for the U.S. Bank Cash+ Visa® Signature Card be denied, submitting this application constitutes your application for a U.S. Bank Cash Rewards Visa® Card. The U.S. Bank Cash Rewards Visa Card does not earn 5% or 2% cash back." Aren't all visa sigs minimum 5k?

No. Chase will approve a Freedom Signature for under $5k. The $5k figure keeps getting thrown around as fact because some banks will only offer them at that level.

Regular Contributor

Re: SUCCESS! Credit App Spree After Bad Credit

I don't think Us Bank falls into that catagory.  I just app'd for the cash plus a week ago and was denied.  I called underwriting and was told I didn't qualify for a 5k CL and that they would give me the platinum with a 1500 limit.  I'm just saying, I hope he's a lucky one, but its far from normal


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


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Moderator Emeritus

Re: SUCCESS! Credit App Spree After Bad Credit

Well it's a great run of successful apps.  Congrats on improving your CR and best of luck to you!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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