topic Re: Curacao Pre Approval in Credit Card Approvals

Curacao Pre Approval

B335is — Sat, 25 Jul 2015 06:29:51 GMT

Has anybody in AZ or CA heard of them? I got a pre approval in te mail today. It had an invite code and when I clicked the link it only asked for the first three numbers of my SS. The prices are mostly in line with everywhere else:

http://m.icuracao.com

Re: Curacao Pre Approval

Anonymous — Sat, 25 Jul 2015 06:54:54 GMT

Never heard of them outside of getting a preapproval in the mail as well.

Re: Curacao Pre Approval

onstar — Sat, 25 Jul 2015 07:01:13 GMT

(1) I got that in the mail on Wednesday this week.

(2) There is a store about 5 miles from me. Prices seem competitive.

(3) That mailer that I got. I promptly shredded it. Don't need yet another card.

Re: Curacao Pre Approval

ceejx — Sat, 25 Jul 2015 07:04:08 GMT

There's a few of them here in Southern California. I've passed by them, but have never gone in. Guess I should, stuff on their website looks good.

Re: Curacao Pre Approval

Anonymous — Sat, 25 Jul 2015 07:27:07 GMT

I've lived in both states and this is the first I've heard of them hah.

Re: Curacao Pre Approval

SunriseEarth — Sat, 25 Jul 2015 10:32:59 GMT

@B335is wrote:
Has anybody in AZ or CA heard of them? I got a pre approval in te mail today. It had an invite code and when I clicked the link it only asked for the first three numbers of my SS. The prices are mostly in line with everywhere else:

http://m.icuracao.com

They're a department store--kinda like Sears but with more electronics--geared predominantly toward the Latino community. People often finance electronics through their retail accounts.

Re: Curacao Pre Approval

SunriseEarth — Sat, 25 Jul 2015 10:38:44 GMT

@SunriseEarth wrote:
@B335is wrote:
Has anybody in AZ or CA heard of them? I got a pre approval in te mail today. It had an invite code and when I clicked the link it only asked for the first three numbers of my SS. The prices are mostly in line with everywhere else:

http://m.icuracao.com
They're a department store--kinda like Sears but with more electronics--geared predominantly toward the Latino community. People often finance electronics through their retail accounts.

Well, I figured out how they earn money. I'd probably stay away from this, unless you're a builder/rebuilder with no other good options..

http://www.icuracao.com/ca_disclosure.pdf

Re: Curacao Pre Approval

B335is — Sat, 25 Jul 2015 15:18:44 GMT

Thanks for the info. I was really curious if they actually HP for the account, but I'd just assume so regardless. They give $50 off with first purchase. It's like Sunchrony cards, you don't carry a balance.

Re: Curacao Pre Approval

Anonymous — Sat, 25 Jul 2015 16:17:37 GMT

If they are like famsa, their debts come up as installment loans. If you have an armload of revolvers no mortgage or car payment, it could raise a bad score.

Re: Curacao Pre Approval

Anonymous — Sat, 25 Jul 2015 17:20:06 GMT

I live in AZ and they have a store in the former Desert Sky Mall Penneys. Like a Best Buy. Yes they cater to the Latino community and it was always rumored that they were easy to get credit with.

What is the interest rate? Maybe you'll have to TOFTT .

Re: Curacao Pre Approval

Anonymous — Sat, 25 Jul 2015 17:24:24 GMT

No grace period on purchases I see like Credit One. You have strong credit. Wonder what kind of limit and APR they'd give you.

Re: Curacao Pre Approval

B335is — Sat, 25 Jul 2015 17:56:39 GMT

It says a limit up to $2k. Not a fan of the zero grace period though.

Re: Curacao Pre Approval

B335is — Sat, 25 Jul 2015 19:24:26 GMT

Well what the heck, curiosity got the best of me. It asked first three SS#, DL# and gave income ranges to select from (which only went up to $7k per month). It said further review needed but gave a temporary acct number to use immediately. Holy cow the standard shipping is $35 for a vacuum lol.

Re: Curacao Pre Approval

Ron1 — Sat, 25 Jul 2015 21:40:14 GMT

I google it and they got poor rating

http://www.yelp.com/biz/curacao-los-angeles

http://www.yelp.com/biz/curacao-chino

I didn't know they have it in LA. I thought it is smilar to Frys. It is worse than Fry's. It looks the subprime to me. You can finance this items as low as $20. It looks like fingerhut.

I think Nebraska Furniture Mart or Microwarehouse is better than me. I haven't checked out the Microwarehouse. I heard they had a great prices.

Ron.

Re: Curacao Pre Approval

Creditaddict — Sat, 25 Jul 2015 21:41:45 GMT

They are terrible unless you have bad credit.

They are like the Mexican version of Fingerhut

Re: Curacao Pre Approval

B335is — Sat, 25 Jul 2015 21:42:12 GMT

I think you're right. Well I figure I'd be the GP since I can't find any data points. They say they will roll out the credit nationwide later this year. It's only for AZ and CA residents now.

Re: Curacao Pre Approval

Ron1 — Sat, 25 Jul 2015 21:42:54 GMT

@B335is wrote:
Well what the heck, curiosity got the best of me. It asked first three SS#, DL# and gave income ranges to select from (which only went up to $7k per month). It said further review needed but gave a temporary acct number to use immediately. Holy cow the standard shipping is $35 for a vacuum lol.

What kind of credit cards is this? You can drive the store to pick up. It doesn't cost you $35 to drive over there.

Ron.

Re: Curacao Pre Approval

Creditaddict — Sat, 25 Jul 2015 21:43:20 GMT

@Ron1 wrote:
@B335is wrote:
Well what the heck, curiosity got the best of me. It asked first three SS#, DL# and gave income ranges to select from (which only went up to $7k per month). It said further review needed but gave a temporary acct number to use immediately. Holy cow the standard shipping is $35 for a vacuum lol.
What kind of credit cards is this? You can drive the store to pick up. It doesn't cost you $35 to drive over there.

Ron.

it's a store credit card, I believe they back it themselves.

Re: Curacao Pre Approval

Ron1 — Sat, 25 Jul 2015 21:44:38 GMT

@B335is wrote:
I think you're right. Well I figure I'd be the GP since I can't find any data points. They say they will roll out the credit nationwide later this year. It's only for AZ and CA residents now.

They got bad review on the Yelp. I thought Fry was bad. This is evern worse. I might go over there to check it out when I go to LA.

Ron.

@B335is wrote:
I think you're right. Well I figure I'd be the GP since I can't find any data points. They say they will roll out the credit nationwide later this year. It's only for AZ and CA residents now.

Re: Curacao Pre Approval

Ron1 — Sat, 25 Jul 2015 21:45:40 GMT

@Creditaddict wrote:
@Ron1 wrote:
@B335is wrote:
Well what the heck, curiosity got the best of me. It asked first three SS#, DL# and gave income ranges to select from (which only went up to $7k per month). It said further review needed but gave a temporary acct number to use immediately. Holy cow the standard shipping is $35 for a vacuum lol.
What kind of credit cards is this? You can drive the store to pick up. It doesn't cost you $35 to drive over there.

Ron.
it's a store credit card, I believe they back it themselves.

It is more like loan shark card. It is just as bad as fingerhut or gettington.

Ron.