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State Farm Credit Cards

Frequent Contributor

State Farm Credit Cards

Just a few questions about them. Does it help approval odds if you are an insurance customer with them?  Also, are we sure which CBR they pull and if they are a strict lender?  Just was checking on those.

 

Thanks!

9/15/16 TU 733 EX 722 EQ 728 Discover $19,500/BOA $15,000/Lowe's $15,000/Sam's Club MC $15,000/Wells Fargo PLOC $15,000/Macy's $15,000/GM BuyPower $10,000/AmEx Hilton Honors $10,000/Macy's $10,000/Sam's Club $10,000/Frontier $9600/FNBO Mlife $9200/AmEx Delta $8500/Chase Hyatt $8000/Dick's MasterCard $7500/Citi Simplicity $7200/Wells Fargo Visa $7000/Chase United $5000/Amazon Visa $5000/Nationwide Visa $4300/State Farm $4000/Wells Fargo AmEx $2500/Citi Costco $2000
Message 1 of 8
7 REPLIES
Established Contributor

Re: State Farm Credit Cards


junior88 wrote:

Just a few questions about them. Does it help approval odds if you are an insurance customer with them?  Also, are we sure which CBR they pull and if they are a strict lender?  Just was checking on those.

 

Thanks!


It helps if you are a policyholder, but uncertain who they pull for approvals. I've had my Visa for many years & can't recall when processing my application.

 

SisterGirl

SisterGirl
Message 2 of 8
Established Contributor

Re: State Farm Credit Cards

I'm not sure if it's the same, but I cameacross a thread about a state farm card credit increase and said they pulled TU for their increase...look up other threads on this site and see if they can clue you in

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Message 3 of 8
Valued Contributor

Re: State Farm Credit Cards


colindidit wrote:

I'm not sure if it's the same, but I cameacross a thread about a state farm card credit increase and said they pulled TU for their increase...look up other threads on this site and see if they can clue you in


They pull TU almost exclusively.  They claim the Bank and Insurance are separate entities, but I can't help but think having insurance helps.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 4 of 8
Moderator Emeritus

Re: State Farm Credit Cards

My experience has been that they are very conservative... both with limits and approvals.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Message 5 of 8
Senior Contributor

Re: State Farm Credit Cards

Can't say about their overall rules, but they pulled TU for me.

 

I have been a State Farm customer for years, and they denied me.  Smiley Sad



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 6 of 8
Valued Contributor

Re: State Farm Credit Cards


webhopper wrote:
My experience has been that they are very conservative... both with limits and approvals.

True.  My initial limit was $3000 and I was denied the first attempt. 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 7 of 8
Highlighted
New Contributor

Re: State Farm Credit Cards

so do they only pull TU?

 

any user who have experience they pull other then TU.

 

wanted to apply but tu report looks quite ugly

HSBC PREMIER WORLD MASTERCARD- 12000 LIMITS, PENFED- 2500 LIMITS, DISCOVER IT- 10000 LIMITS, CHASE FREEDOM- 3500 LIMITS, USAA MASTERCARD- 6500 LIMITS, CHASE SAPPHIRE- 7000 LIMITS, AMEX BLUE CASH EVERYDAY- 8000 LIMITS, US BANKS VISA PLATINUM- 5000 LIMITS, BARCLAY REWARD- 1500 LIMITS, WELLS FARGO VISA SIGNATURE- 5000 LIMITS, NORSTORM VISA- 5000 LIMITS, SUNTRUST- 1500 LIMITS




Message 8 of 8