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Regular Contributor
boonelb
Posts: 146
Registered: ‎01-24-2012
0

orbitz

[ Edited ]

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?

Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

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.....

Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

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...
Regular Contributor
boonelb
Posts: 146
Registered: ‎01-24-2012
0

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

Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

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...
Regular Contributor
boonelb
Posts: 146
Registered: ‎01-24-2012
0

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.....


 

Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

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.

Regular Contributor
sonson
Posts: 241
Registered: ‎12-04-2009
0

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


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Senior Contributor
Wolf3
Posts: 3,197
Registered: ‎01-24-2010
0

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.

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

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