So Nationwide

[Anonymous]

So I switched Auto insurance companies to Nationwide on my SUV and car....so what the heck just applied online for a card....got a plethora of ID questions and at the end just I would hear from them in 7-10 days?? Sorry I know alots been written about this card, but anyone had 24 questions and then leading to 7-10 days...my FICO TU is 737 EQ 757 no badies...TU has no INQ.....UTL is 5 percent....are they just weird with underwriting? Thanks guys

[MrShush]

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@Anonymous wrote:

So I switched Auto insurance companies to Nationwide on my SUV and car....so what the heck just applied online for a card....got a plethora of ID questions and at the end just I would hear from them in 7-10 days?? Sorry I know alots been written about this card, but anyone had 24 questions and then leading to 7-10 days...my FICO TU is 737 EQ 757 no badies...TU has no INQ.....UTL is 5 percent....are they just weird with underwriting? Thanks guys

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Weird with underwriting. They do it manually.

[Anonymous]

Yippe so you thinnk I stand a chance?? How long usually does it take, i dont wanna call rather just get the letter then recon if denied

[MrShush]

You could get a quick decision or it can drag out for weeks. I got mine in about 14 business days but others have waited longer and sometimes declined. They cannot be figured out.

[Anonymous]

I know I am regretting it, some people posted on here had my same scores and were declined, others had 2 baddies and 690 and got 10k....ahhh but I have never been asked so many questions for ID not to get an answer?? They already had run my social...or does everyone get the questions

[gymbo731]

I didn't apply for this card yet. But I think that they like people with high util so they will transfer their balances to them. I am just guessing though. I think I read that someone had 9% util and was denied bc they weren't using any credit.

[Anonymous]

ahhh see I was at 3-4% When they pulled TU only with a Mid 700 Fico 737 or 740 with AAoA at 4-5 Years, and no baddies and I only have 4 cards, One is a Bloomingdales Visa so sort of a store card, and then my Barclays, Lexus Visa Signature, and Nordstrom Visa....1 inq on my TU for my cell phone which will go away in 90 days! Total AVAIL-40K and I thought I was a shoe in! Guess not...Because I have 2 Store Like Visa cards, I know I have went off and said NO AMEX, I wonder if I should, FAKO EX Today was 800 and UTL was 2 percent....and had accounts listed older....which should i apply for? Deff want a charge card either the Premier Gold or Platinum just because of the travel, any suggestions with my FAKO, AAoA and UTL 

[Anonymous]

So anyone think i have a shot wit the Nationwide, the INQ wont show if I bite the bullet and apply for 2 AMEX cards, I just dont know which ones, Anyone have any suggestions, I know for sure the Premier Gold Charge/Platinum but also want a Revolving for the mix....Any suggestions, I like the Starwoods...thanks guys

[score_building]

Store branded major credit cards are not 'store like'' as far as fico is concerned.

Any card with a visa/mc/amex/discover logo is a major cc period.

IME Nationwide doesn't love evidence that you may app and then not be profitable, for eg. inactive open accts.

[Anonymous]

Welll that was rather odd, I was approved just got in about 30 minutes ago so see a package from Nationwide, approved weird they never called. Anyway rep i spoke with was sweet they gave me 15,000k but at TIER 2...oh well dont carry balances, seems good so far.....so apparently they are giving again!! I dont remember though when the hype on the boards was high if the card looked the same, mine is a Silverish blue one very pretty! lol, anyway They pulled TU 740 at the time...UTL 4 percent...and I asked why they never called or asked for verification she said the computer was down when i applied at 11 pm haha and it would have been an AUTO Approval....well they have good car incurance and so far good CSR!!! Glad I got it, anyone else recently app for it, and for those of you who got it way  back when, I think its great they did 15k but tier 2 APR will they adjust that?? Also didnt want to ask her how fast until I get a CLI....lol thanks good luck to anyone who applys also!!