orbitz

[boonelb]

does orbitz really require excellent credit?  its listed as excellent credit needed on cap one.  or is cap ones defination of excellent as crappy as their cli's?

[bs6054]

They define what they mean:

I have not been more than 60 days late on any credit card, medical bill, or loan in the last year

AND

I have never declared bankruptcy or defaulted on a loan

AND

I have had a loan or credit card for 3 years or more with a credit limit above $5,000

So you need experience with a 5K CL, never defaulted or had a BK, and nothing too bad in the last year.   So not necessarily 760+ FICO.....

[colindidit]

The orbitz cap one? I have that and I got approved and when I did my credit score was not good at all so I'm not sure..

[boonelb]

I dont have a 3 yr old credit line of 5000 but I got instant approval so I was surprised when I got approved only 500 but an approval.  side note I do have a 4 month old car loan with them

[colindidit]

500 is what I got too.. Credit steps to 750 in 6 months .. Currently waiting to hear back to see if I got the CLI

[boonelb]

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@bs6054 wrote:

They define what they mean:

I have not been more than 60 days late on any credit card, medical bill, or loan in the last year    check

AND

I have never declared bankruptcy or defaulted on a loan  nope almost 7 yr old repo

AND

I have had a loan or credit card for 3 years or more with a credit limit above $5,000  no credit lines over 3 yrs old except student loans, not over 5000. 

So you need experience with a 5K CL, never defaulted or had a BK, and nothing too bad in the last year.   So not necessarily 760+ FICO.....

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[bs6054]

1 out of 3 is probably good enough!   Usually the 5K thing is because the card is a Visa signature/World Mastercard, and this isn't, so who knows.

[sonson]

I recently got an Orbitz CC, i probably had a TU of 640 and 2 collection accounts and was approved.

[Wolf3]

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@bs6054 wrote:

They define what they mean:

I have not been more than 60 days late on any credit card, medical bill, or loan in the last year

AND

I have never declared bankruptcy or defaulted on a loan

AND

I have had a loan or credit card for 3 years or more with a credit limit above $5,000

So you need experience with a 5K CL, never defaulted or had a BK, and nothing too bad in the last year.   So not necessarily 760+ FICO.....

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You can meet this criteria with a mediocre score if for example,  you have high utilization, new accounts, and short AAoA.

[creditnocash]

wonder if they would accept a line thats 3 years + with less then 5k. 

but a line with 5k that was only a year old? 

i noticed on my bureau reports it actually states when i got my cli's. so under manual review i wonder if they can see this as well.