topic Re: I'm scared.. in Credit Card Approvals

I'm scared..

Anonymous — Tue, 02 Sep 2014 05:02:50 GMT

I've been doing some research and found the QVC "Qcard" seems to be easy to get.

Saw on a Database that they pull TU 95% of the time, and people with scores in the upper 500's (mines 626) getting approved.

So I pulled the trigger.

It says to call in the next 48 hours to "complete your application", or you will be "given notice" in 7-10 days.

We've all heard the 7-10 day message, but 48 hours is odd.

Anyone have any Exp with this?

Re: I'm scared..

mzgg09 — Tue, 02 Sep 2014 05:35:45 GMT

Can't speak on the 48 hour thing. But it seems like they just want to verify some info. I think your odds are pretty good.

Re: I'm scared..

SunriseEarth — Tue, 02 Sep 2014 09:25:54 GMT

@Anonymous wrote:
I've been doing some research and found the QVC "Qcard" seems to be easy to get.

Saw on a Database that they pull TU 95% of the time, and people with scores in the upper 500's (mines 626) getting approved.

So I pulled the trigger.

It says to call in the next 48 hours to "complete your application", or you will be "given notice" in 7-10 days.

We've all heard the 7-10 day message, but 48 hours is odd.

Anyone have any Exp with this?

With the amount of INQs you undoubtedly have across all CRs, identity verification is going to be an issue at this point. It sounds like that's the case here. Definitely follow up and good luck on approval. And go garden once you're approved!

Re: I'm scared..

Dw4250 — Tue, 02 Sep 2014 08:10:45 GMT

Oy vey! I gotta ask OP...do you even shop on QVC??? If so great, I hope things work out. But if you're just credit chasing, it may be better to not be approved...but I'm not saying anything you don't already know.

Do you ever see yourself wanting to finance something more substantial? A House? Home improvement project? Car? Student loan? Business? If so, you are absolutely. killing any chances of approval (having to sweat out a QVC card approval should tell you something!). If you have no plans to finance anything of substance and are content chasing minor league/crappy cards, I guess keep apping away. But why tie your own hands when we live in a world of "you never know"?

Anyway I do wish you luck in your credit journey and hope one day you realize the importance of self-restraint in the credit game.

Re: I'm scared..

keithbward — Tue, 02 Sep 2014 14:32:06 GMT

It's for verification. Give them the reference number you were given and they finish the process. I've had to do it with a few synchrony backed cards.

Re: I'm scared..

Creditaddict — Tue, 02 Sep 2014 14:38:20 GMT

when apps ask you to call in that's usually "you are approved" CALL and verify yourself with them.

Re: I'm scared..

Anonymous — Tue, 02 Sep 2014 17:34:08 GMT

Well I finally got the nerve to call, yes the phone call was to verify my ID.

Rep went to process the application, I started to get a little frustrated because she spoke little English and made it hard to talk to her.

However my ears perked up when I heard "approved".

Don't know why they were reluctant to give it out...but my CL is....

$800!!!

This will really help my UTL. I don't plan on charging it for maybe $50.

BTW, I know with commenity cards you have to charge something every year so it won't close, what about sync cards?

This will be my only store card. I'm going to keep at it until my ficos are in the upper 600's and try for a visa/mc branded card.

Re: I'm scared..

Creditaddict — Tue, 02 Sep 2014 17:43:23 GMT

@Anonymous wrote:
Well I finally got the nerve to call, yes the phone call was to verify my ID.

Rep went to process the application, I started to get a little frustrated because she spoke little English and made it hard to talk to her.

However my ears perked up when I heard "approved".

Don't know why they were reluctant to give it out...but my CL is....

$800!!!

This will really help my UTL. I don't plan on charging it for maybe $50.

BTW, I know with commenity cards you have to charge something every year so it won't close, what about sync cards?

This will be my only store card. I'm going to keep at it until my ficos are in the upper 600's and try for a visa/mc branded card.

wow, impressed and congrats!

Re: I'm scared..

chalupaman — Tue, 02 Sep 2014 17:50:57 GMT

Alright congrats. Now do as you preach and maybe you'll get even further with your credit building.

Re: I'm scared..

CreditMagic7 — Tue, 02 Sep 2014 18:14:52 GMT

Congrats! on the $800 SL! I know you must feel a sense of relief now.

BTW, i'll trade you for my ShopHQ CC. All they want to sell on air is Invicta Watches or overpriced bed spreads and lamps

Re: I'm scared..

Anonymous — Tue, 02 Sep 2014 18:31:15 GMT

Should I try my hand at the Wally cc since it's sync or not or press my luck?

Re: I'm scared..

Creditaddict — Tue, 02 Sep 2014 18:33:48 GMT

@Anonymous wrote:
Should I try my hand at the Wally cc since it's sync or not or press my luck?

shockingly I'm actually going to say yes.

it will give you the free fico and im surprised at the much higher limit you got at QVC than I would have ever guessed.

Re: I'm scared..

CreditMagic7 — Tue, 02 Sep 2014 18:36:08 GMT

Good Luck with Synchrony. If approved by them for Walmart then you should also be a shoe in for Amazon Store card too.

Re: I'm scared..

Anonymous — Tue, 02 Sep 2014 18:49:48 GMT

I thought chase backs the amazon card??

Re: I'm scared..

Closingracer99 — Tue, 02 Sep 2014 18:50:48 GMT

@Anonymous wrote:
I thought chase backs the amazon card??

That is the Amazon Visa card... The store card is backed by GE or whatever they are now called

Re: I'm scared..

Anonymous — Tue, 02 Sep 2014 18:54:10 GMT

Oh ok. Is the amazon store card harder to get than Wally?

Re: I'm scared..

CreditMagic7 — Tue, 02 Sep 2014 18:55:15 GMT

@Anonymous wrote:
I thought chase backs the amazon card??

Nope. Chase DOES have a amazon visa card but Synchrony also has the Amazon Store Card.

Mine started out at $600 and is now $900.

Re: I'm scared..

Creditaddict — Tue, 02 Sep 2014 18:57:52 GMT

@Anonymous wrote:
Oh ok. Is the amazon store card harder to get than Wally?

i think they are close to same.

Re: I'm scared..

Anonymous — Tue, 02 Sep 2014 18:57:54 GMT

Also..I thought the free fico only comes with the Wally discover?

Re: I'm scared..

Anonymous — Tue, 02 Sep 2014 19:09:02 GMT

@Anonymous wrote:
Also..I thought the free fico only comes with the Wally discover?

Wally discover? LOL...