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Regular Contributor
Posts: 180
Registered: ‎05-01-2009
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Re: simmons first visa platinum credit card

When I applied many years ago, it was a 2 page, very detailed application.  As some of the others have written, the bank is very conservative, their cs has been excellent, and the chance of AAs without cause are next to zero.  Although I wasn't thrilled about the 7.25 fixed to variable (eff 10/1 for me), it's a card and relationship that I plan to keep ultra long term.

Starting Score: TU 766 EQ 788
Current Score: TU 788 EQ 811
Goal Score: TU 800 EQ 800


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New Member
Posts: 4
Registered: ‎05-15-2013
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Re: simmons first visa platinum credit card

(unlike FIA, who have upped it 3 times in less than 18 months without my requesting a CLI).

FIA?
The borrower is servant to the lender.

~The Bible
--------------------------------------------------------------------------------

Starting Score: EQ-628//EX-562//TU-637
Current Score: EQ-657//EX-659//TU-667
Goal Score: 700


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Valued Contributor
Posts: 2,360
Registered: ‎09-16-2011
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Re: simmons first visa platinum credit card


Creditaddict wrote:
Any credit lines above 10k require signature and FINANCIALS!
BLAH

that is insane... its like a FR before you even get the card!! Thats over the top for a 10k limit card. AMEX doesn't go that far unless you exceed 25k for a a card or 35k total explosure... and even that is only rumored.

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak/Freeom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5.5k Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 7k, Discover IT 15.5k and a nice stack of store cards.
Last APP/HP 9/5/2016
Moderator Emeritus
Posts: 14,868
Registered: ‎12-30-2011
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Re: simmons first visa platinum credit card

Thread ressurected from the dead.

 

The information posted in this (regarding both CL's and FIA's CLI policy) have changed substantially in the intervening years.

 

FIA was formerly MBNA, which BOFA (Bank of America) acquired, and they still administer BOFA's and a few other lender's credit card products.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 716, TU 8 713, EX 8 740 (09/06/16)
Goal Score: 700 on EQ 04 (01/01/17)


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