Credit Cards

[HUMPTYZ]

Anyone have it, if so has it been a good card? I just was approved for one with better terms and  CL than my first equity so I hope it is worth it. I got a pre approval and I also have a personal card with them. I also had a paid charge off with providian 7 years ago but am one of the lucky ones they didn't blacklist. Any input would be great thanks.

[Creditaddict]

got the pre-approval last year and was instantly declined.

[turbowrx]

My mother got a pre-approved offer in the mail last week.  Applied on line, declined.....  her scores are all over 700.  Plus...... she had a wamu visa with perfect history for 8 months.

[concorduser]

I guess we all learn.....

[Tovya]

I got a pre-approval for the same card and was accepted for a $3500.00 initial CL, and have been with them for awhile and have been quite satisfied with it (and they have good customer service as well)

[HUMPTYZ]

First Equity satrted me at 1000 CL and WAMU gave me a 4500 CL also 0% on transfers and purchases for 12 mo beats first equity by far.  This is only my 3rd business cc I have established so I feel pretty good, I think my scores were around 670 but I haven't pulled them lately.

[Tovya]

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HUMPTYZ wrote:

First Equity satrted me at 1000 CL and WAMU gave me a 4500 CL also 0% on transfers and purchases for 12 mo beats first equity by far. This is only my 3rd business cc I have established so I feel pretty good, I think my scores were around 670 but I haven't pulled them lately.

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yeah when i got my wamu, i was a 649 if i remember right.

[molly73]

YEAH...GOT DECLINED FOR A WAMU CARD CAUSE OF A PROVIDIAN ACCOUNT.....THAT WAS PAID OFF IN 2001.....THEY CAN BLACKLIST YOU!

[HUMPTYZ]

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I got a pre-approval for the same card and was accepted for a $3500.00 initial CL, and have been with them for awhile and have been quite satisfied with it (and they have good customer service as well)
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Tovya  how have they been for CLI's? how long have you had the card?

Message Edited by HUMPTYZ on 06-05-2008 01:11 PM

[Tovya]

i've had it for awhile, and they tend to be an every 3 to 6 month CLI... I just spend tons of money on it and pay in full (they post on the 27th of every month) and that seems to give them the incentive to give me pretty frequent CLIs.

The only thing that disappointed me about them is it takes many, many months before it shows up on your CR. 3 months if I remember right.