Credit Card Center Advertiser Disclosure†
03-18-2009 09:06 AM
Just a couple of questions...
1) Do I have to buy something (like crown jewellers) for spiegel to start reporting?
2) I want to sock drawer it. Can I do that and forget about it or are there any monthly fees,maintenence fees etc that I have to pay and hence keep track of the card?
I am not apping and waiting for the right time for the prime ones but I have been preapproved and I understand that it is a soft pull for this card.
I only have FP (200) and Orchard secured (200). I just became an AU on my brothers BOA (16000@9%utl) which made absolutely no difference to my score though so I may cancel that.
03-18-2009 12:53 PM
spiegel should start reporting on your credit reports with just the credit line when it was opened etc..there are no monthly mtce fees, annual fees etc--
but my understand it's a soft pull to preapprove you but I'm sure that if you app for the card it will be a hard..
also I wouldnt wait to long before I used it, if you decide to go for it bc in this credit environment most companies are closing cc's faster than they are opening them..
hope this helps! Good Luck
03-18-2009 02:02 PM
I will let you know if it is a hard/soft to be approved after pre-approval in a few days.
Spouse just done the pre-approval and it said congrats.....blah........and then all was asked was SS#, Ph #, DOB, email, and if wanted card/account information delivered online and by mail or mail only.
Then clicked continue and account information and CL popped up on screen.
03-18-2009 02:32 PM
pretty much what happened to me. I choose online and my CL is 250 and I got my card number as well. So far no inq but will give it a week atleast. Still waiting on the card. However I know for **bleep** sure that I dont want to use the card. If theres even a remotely ridiculous thing for men, I would use it but cant find nothing. Can I use it on eddie bauer?
If theres no monthly fee, maintanence fee anfd all the other genuine fees which all good companies charge, I'd like to sock it and forget about it. I will make a purchase after 2 months, immediately PIF and forget about it for 3 more months and and so on.
03-25-2009 12:30 PM
04-04-2009 08:22 PM
I applied online and was pre approved and went ahead and got approved on March 12. Received my card as well. Still dont see a hard pull or the account on my credit files. Their CSRs did tell me when I called to check on this account that actual approval would be a hard pull and the account would take around 45 days to show.
My problem is that I rarely am convinced by CSRs. Too much wrong information too many times with too many companies.
So I am still waiting. They havent reported from March 12th. So I am guessing they report in the first week and a half to the CRAs. Will let you know about the hard pull.
Mt credit and its score is pretty bad and I was approved for a 250. I am assuming you have better scores and you should be pre approved. Id suggest you try again with the pre approval thing. I cant remember exactly but I read through the threads and kept the thread about spiegel pre approval, open and followed every step on the app on a new window as I was a little confused with the website. If you still get the same result, then I am afraid youd need a hard pull to find out for sure and this card is totally not worth it then. I applied under the impression that its a soft even for approval and I needed a mix.
04-05-2009 04:50 AM - edited 04-05-2009 04:50 AM
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.