Well, I'm still not sure how this happened, but I must have been hanging out on the Credit Cards board too much, because last night I made a completely unplanned, wild hair app for a Barnes and Noble card.
So I'm now a member of the nervous Juniper/ Barclays family. I must say that I'm impressed with them so far. Instant on-line approval, and it immediately led me through the online account registration, which was great. (I've had to wait to set this up on most of my other cards, because I needed the card #, etc.) The moment the registration process finished, there was my account, balance, limit, the whole she-bang. The site is really well-designed, very clean, very clear. The link from BarnesandNoble.com is a bit difficult to find, but other than that, it's great.
Our network is down at work (woo-hoo!), so I called customer service this morning about some other things. My CSR was very knowledgeable, and gave me a soothing explanation for my $500 CL (this is a MasterCard, after all.) She said that if an applicant already has oodles of unused credit, they won't get much of a CL on this one, because it's obviously unneccessary. So OK, I can handle that, and I will just regard this as a store card with a very nice rewards system, and not stress out about CLI's and stuff.
I'm still untangling the rewards, but it appears to be 5% cash back on B&N and B.Dalton store and online purchases, which is posted as a credit on the monthly statement, plus 1 point per dollar on other purchases, which add up to gift cards. Or something. 5% cash back on books and CD's (and whatever else they carry), credited monthly--I'm happy with that!
Hard inq on TU, FICO TU 721, no other inqs on TU. And yes, Syl, I'll go post this on WGMC!
So I'm now a member of the nervous Juniper/ Barclays family. I must say that I'm impressed with them so far. Instant on-line approval, and it immediately led me through the online account registration, which was great. (I've had to wait to set this up on most of my other cards, because I needed the card #, etc.) The moment the registration process finished, there was my account, balance, limit, the whole she-bang. The site is really well-designed, very clean, very clear. The link from BarnesandNoble.com is a bit difficult to find, but other than that, it's great.
Our network is down at work (woo-hoo!), so I called customer service this morning about some other things. My CSR was very knowledgeable, and gave me a soothing explanation for my $500 CL (this is a MasterCard, after all.) She said that if an applicant already has oodles of unused credit, they won't get much of a CL on this one, because it's obviously unneccessary. So OK, I can handle that, and I will just regard this as a store card with a very nice rewards system, and not stress out about CLI's and stuff.
I'm still untangling the rewards, but it appears to be 5% cash back on B&N and B.Dalton store and online purchases, which is posted as a credit on the monthly statement, plus 1 point per dollar on other purchases, which add up to gift cards. Or something. 5% cash back on books and CD's (and whatever else they carry), credited monthly--I'm happy with that!
Hard inq on TU, FICO TU 721, no other inqs on TU. And yes, Syl, I'll go post this on WGMC!
@Anonymous wrote:
Junny also gives you a free Transrisk score - so You will have 1 more FAKO to track
Congats Hauling! Another notch on the handle! 
See? There's something to be said about spontaneous app'ing. Kind of like spontaneous shopping. lol
See? There's something to be said about spontaneous app'ing. Kind of like spontaneous shopping. lol
All of which quickly leads to spontaneous score drops, LOL!
@Anonymous wrote:
Congats Hauling! Another notch on the handle!
See? There's something to be said about spontaneous app'ing. Kind of like spontaneous shopping. lol
Thanks! I'm loving the 5% thing. I don't know what got into me--I think it's spring being almost here. The cat's tearing around the house at 4 a.m., and I guess this is my equivalent. Six new TL's in a bit over three weeks, though, whew--I might need to find out if there's an outpatient day program at Sleigh!
By the way, I was a good girl, and I've already updated WGMC.
