Regular Contributor
Posts: 180
Registered: ‎05-01-2009

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

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).

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: 1,969
Registered: ‎09-16-2011

Re: simmons first visa platinum credit card

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

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 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Posts: 9,735
Registered: ‎12-30-2011

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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
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