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New Contributor
rex_03
Posts: 131
Registered: ‎11-08-2007

Re: Visa Signiture options

Congrats, you'll like the CSP. It has a lot of useful perks.. Freedom combo gives you points on the rotating catagories, and it adds up quick.
Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012

Re: Visa Signiture options


kimbia wrote:

Went for the CSP. Had to recon but got approved for $5K! :smileyvery-happy: Back in the garden for the forseeable future since my CC goals (AmEx, Citi, and Chase cards + a Visa Siggy) are complete!


Congrats!!  I'm thinking of app-ing for this or AMEX BCP.  Which CRA did they pull from?



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Visa Signiture options

Congrats on your new card!


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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
JonStur
Posts: 900
Registered: ‎12-25-2010

Re: Visa Signiture options

Good, you made the right choice.

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Valued Member
kimbia
Posts: 46
Registered: ‎01-05-2013

Re: Visa Signiture options

Thanks everyone. Electra, not sure which CRA they pulled from but will let you know when I get the letter in the mail. Also for future information to others who might need to recon, the guy asked me about some past lates from 2011, what I would be using the card for, whether I would be carrying a balance or paying it off in full each month, and reverified my income and employer.



Current Scores:EQ: 726 (07/13) | TU: 656 (03/13) | EX: 715 (07/13)
Goal Scores (2013): EQ: 750 | TU: 700 | EX: 730 - Last app: 11 May 2013 - Done apping for the foreseeable future
New Contributor
rex_03
Posts: 131
Registered: ‎11-08-2007

Re: Visa Signiture options

I wanna say EXP was the pull. That sticks out, but it showed up fast on my Credit Karma account too.. YMMV
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Visa Signiture options


kimbia wrote:

Thanks everyone. Electra, not sure which CRA they pulled from but will let you know when I get the letter in the mail. Also for future information to others who might need to recon, the guy asked me about some past lates from 2011, what I would be using the card for, whether I would be carrying a balance or paying it off in full each month, and reverified my income and employer.


kimbia, and what were your answers?

 

congrats!

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Established Contributor
Brusilov
Posts: 595
Registered: ‎01-04-2009

Re: Visa Signiture options

Don't mean to threadjack but for those that have Signature cards - what are the benefits you're using or like most?  My Navy CashRewards card is, but admittedly I've never really made use of any of the perks.

                    
    $17.3K          $500              $7K              $15K              $5K             $2300          $3200          $2000          $1500          $1000           $8100

Garden Since: 9.25.2013
Valued Member
kimbia
Posts: 46
Registered: ‎01-05-2013

Re: Visa Signiture options


zerobacan wrote:

kimbia wrote:

Thanks everyone. Electra, not sure which CRA they pulled from but will let you know when I get the letter in the mail. Also for future information to others who might need to recon, the guy asked me about some past lates from 2011, what I would be using the card for, whether I would be carrying a balance or paying it off in full each month, and reverified my income and employer.


kimbia, and what were your answers?

 

congrats!


I told him that the past lates were during a period in which I made the mistake of not managing my finances responsibly (vague enough - the truth is, I was trying to consolidate my student loans, but they missed some of them and I was lazy in getting the issue fixed. Big mistake, but I was stupid 'back then'. Most of my derogs and all that are over 60 days are from a 5 month block in 2011).

 

As for what I 'd be using the card for, I said primarily traveling (flghts, hotels) and restaurants, and that I wanted a card that would reward me for this type of spending.

 

I told him that I would be looking to pay off the balance in full or as much as possible each month (wasn't sure what is preferred in their minds).

 

He thanked me for my answers, put me on hold for a few minutes, then came back and said he was able to approve me for a $5,000 limit :smileyhappy:

 

Overall, I think it was fairly easy to get the card, despite my past derogs. You can see my most recent scores in my sig, but I suspect the scores will go down for a few months before AAoA and payment history start to climb again. Since I don't plan to app for any more cards, do you guys think it will be possible for me to hit 740 this year?



Current Scores:EQ: 726 (07/13) | TU: 656 (03/13) | EX: 715 (07/13)
Goal Scores (2013): EQ: 750 | TU: 700 | EX: 730 - Last app: 11 May 2013 - Done apping for the foreseeable future

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