Regular Contributor
Posts: 131
Registered: ‎11-14-2011

anyone apping REI Visa?

through the end of the month, REI is offering something like a $100 gift certificate for approved REI Visa applicants


thinking of pull the trigger here, as I buy a lot of outdoorsy stuff -- camp stoves, sleeping bags, etc


just trying to get a sense of how choosey these guys are: I have one chargeoff from 2008 (since paid) and a 120 DPD on a student loan (from 2008 also). My latest TU FICO is 719, but my Equifax is much, much lower


also, I want to apply for AmEx BCP in November... don't want to waste an inquiry on this outfit unless I have better than 70/30 odds

Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700

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Established Contributor
Posts: 674
Registered: ‎08-14-2008

Re: anyone apping REI Visa?

the REI Visa is through US Bank and they can be conservative and sensitive to derogs.  Here in CA they pull EQ so if your EQ score is not at least above 700 I wouldn't bother.  They are good with recons though if you are able to state your case with them.

CCs: Chase Freedom VISA Sig/World MC 2k/6.9k, CSP VISA Sig 5k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sig 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 9.2k, Citi AA Amex 6k, Nordstrom Visa Sig 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sig 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 15k, Chase United Visa Sig 13k, Chase Marriott Visa Sig 8k, Citi Simplicity 11.4k, PayPal MC 5k, Compass Visa 4k, WF Visa Sig 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sig 10.8k, Capital One QS Visa 3k, FRN MC 12k, Vitacost MC 12k, HSN 4k, Saks WEMC 10k/4k... FICOs as of March '14...EQ 808 TU 807 EX ?

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