cancel
Showing results for 
Search instead for 
Did you mean: 

orbitz

Regular Contributor

orbitz

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?

Message 1 of 12
11 REPLIES
Valued Contributor

Re: orbitz

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.....

Message 2 of 12
Established Contributor

Re: orbitz

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..
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Message 3 of 12
Regular Contributor

Re: orbitz

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

Message 4 of 12
Established Contributor

Re: orbitz

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
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Message 5 of 12
Regular Contributor

Re: orbitz


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.....


 

Message 6 of 12
Valued Contributor

Re: orbitz

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.

Message 7 of 12
Regular Contributor

Re: orbitz

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


Starting Score: EQ 548 [ Feb 2010 ]
Current Score: TU 663 EQ 686
Goal Score: 700


Take the FICO Fitness Challenge







Message 8 of 12
Senior Contributor

Re: orbitz


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.....


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

Message 9 of 12
Valued Contributor

Re: orbitz

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. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 10 of 12