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Two questions

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kc12286
Frequent Contributor

Re: Two questions

I'm just not sure if it is one of MCs paypass cards. I know all the Citi cards have that ability. But since they declined me less than a year ago, I don't imagine they'd approve me now.

In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 11 of 29
CS800
Super Contributor

Re: Two questions


@kc12286 wrote:
I'm just not sure if it is one of MCs paypass cards. I know all the Citi cards have that ability. But since they declined me less than a year ago, I don't imagine they'd approve me now.

What bureau would they pull for you?

 

DEpends on your location. They are big EX puller




Message 12 of 29
jeffery581
Established Contributor

Re: Two questions

My BBRZMC says pay pass on the front of it. Does this function if you place the card close to the reader?

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Message 13 of 29
CS800
Super Contributor

Re: Two questions


@jeffery581 wrote:

My BBRZMC says pay pass on the front of it. Does this function if you place the card close to the reader?


I have to check but i swear my Cap One said that too. I will check and post.




Message 14 of 29
kc12286
Frequent Contributor

Re: Two questions

I believe they pulled EX last time, and it was one of their scoring systems because the ratio was larger than normal. They didn't like that I had been late a year and a half earlier. And basically I could reapply at a later time. I was approved for a Discover and Lowes right after that. But I really want an MC in my mix of cards.

In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 15 of 29
CS800
Super Contributor

Re: Two questions


@kc12286 wrote:
I believe they pulled EX last time, and it was one of their scoring systems because the ratio was larger than normal. They didn't like that I had been late a year and a half earlier. And basically I could reapply at a later time. I was approved for a Discover and Lowes right after that. But I really want an MC in my mix of cards.

Do you know what your EX is approximately? Would you say close to your other scores?




Message 16 of 29
kc12286
Frequent Contributor

Re: Two questions

I really don't know. I don't have any cards that would allow me to pull my EX score.
But my TU has gone up and down over the past 8 months, I imagine the EX has done the same.

In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 17 of 29
CS800
Super Contributor

Re: Two questions


@kc12286 wrote:
I really don't know. I don't have any cards that would allow me to pull my EX score.
But my TU has gone up and down over the past 8 months, I imagine the EX has done the same.

Do a search on www.whogavemecredit.com and see what kind of scores are being approved by BOA.




Message 18 of 29
kc12286
Frequent Contributor

Re: Two questions

I've never heard of that site. Thanks.

In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 19 of 29
CS800
Super Contributor

Re: Two questions


@kc12286 wrote:
I've never heard of that site. Thanks.

No problem

 

Worth checking. How accurate it is, I dont know but I tend to check it before and app.




Message 20 of 29
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