01-24-2014 08:10 PM
Just curious. Did you guys opt for the cash back version or the one with the lower apr?
01-24-2014 08:16 PM
I believe it was the cash back option for me. My thought was the low apr is probably reserved for those with excellent credit.
01-25-2014 03:45 AM
Cash Back Version as well.
01-26-2014 01:28 PM
Ah the wait is killer!!! Hopefully I will hear something back when I call them tomorrow!!! @ 12njoy let us know what they say to you as well ok? Also should I pull the three side by side fico scores since I am starting out now or wait (until when?)
01-26-2014 01:43 PM
Don't trust your Duck/Beaver cards (until further notice). DO NOT leave the house with only this card. Many people have had their accounts frozen and when you call in, they say "Your card may have been compromised" and offer no further info.
01-26-2014 01:51 PM
Well guys & gals you may not be able to get any info out of these small time operators, seems they have frozen just about everyones card who has apped in last 2 months. I called card services this morn to find out what was up, pressed them hard and all they could say was "its possibly compromised", we will call you when we have further info..... Well this doesn't set with me, I didn't beleive them and I demanded that the card hold be released immediately or put it where sun doesn't shine, they refused so the Beaver card I had for all of 5 days is in the dustbin of OCCU Duck/Beaver history. Wishing you all the best of luck with them.
PS: Personally I think they are under pressure from regulators over loan loss reserves, in all my life I have never seen an organization like this hand out high limits to just about anyone who comes knocking, including people with BKs, other PRs, CA/JDB, COs, etc..
01-26-2014 02:01 PM
01-26-2014 02:11 PM
You have to admit they been handing out super high starting limits like candy!
20k limits x multi apps for a good while now.
Well, at least i did manage to get a BT done before whatever is going to happen, happens.
Yeah if this hurts me I'm back to square one with secured cards that aren't even helping.
01-26-2014 02:18 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.