Established Contributor
Posts: 634
Registered: ‎07-07-2011
Re: What's the Big Deal with APRs?

I can see the point that when carrying a balance (a large one), it can get costly especially if you only pay the min payment due. I love Buckle too. Wish I could get that 40% discount LOL for working there.

 

You don't have to apply for the Buckle card. It will be a SP if they pre-approve you. Just create an online Buckle account, add somethings to your cart, act like you are checking out, and if you are pre-approved you can accept and it will tell you your CL and open the account which you can then start charging to right away. The only factor that will be affected is AAOA but if you opened a bunch a recent accounts might as well take a SP and open another and let them age together, just my thoughts!

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000