@ruggiero06 wrote:
ok so i apped for 2 cards Juniper Carnival Sea Miles. It says on here they pull TU which is my strongest score. But it said they would have to review it and would let my know in 10 business days. Justice Federal Credit Union Visa Classic. and it says here they pull EQ which is still strong and they said they would let me know in one business day. so what should I do. should I wait on their response or should I call today?
Congratulations! You have been approved for a Hooters MasterCard Card, subject to verification of the information provided in your application. If we need any additional information, we will notify you within the next two weeks. Once the verification process has been satisfied, you will be issued your new card(s). Please allow an additional two weeks for delivery. YAY :]
Message Edited by ruggiero06 on 06-22-2008 04:53 PM
Justice has recently been terribly backed up and slow to approve. You might as well start calling tomorrow morning, if they don't get back to you today.
I think that's the classic message back from Hooters. Might be worth calling them Tuesday or Wednesday to see if they need more info about your address, etc.
Congrats on where you are so far, but I would take a brief break and go visit a local CU next, one that offers credit cards. Almost all of them pull EQ. You can print out your most recent FICOs, scores and reports, and ask a loan officer to look them over and give a best opinion as to whether you would qualify, or if you'd do better to wait 3 months, etc. If you find one that you like, you can then authorize them to do the hard pull.
When people ask about "what else you have on your credit reports," they're asking what problems you have on there that are keeping down your scores, not so much what other credit you currently have.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007