topic Re: BBVA Compass NBA Amex Approved!! in Credit Card Approvals

BBVA Compass NBA Amex Approved!!

CreditMagic7 — Tue, 10 Nov 2015 19:01:53 GMT

After standing down for a couple of months from trying for this card i decided last weekend that i would go ahead and apply. Well there was no Slam Dunk like some results so i waited and called directly into BBVA on Monday and let an office CSR submit my application directly into their system and process. Wednesday got the approval email and today the actual card arrived in the mail.

I am thrilled to peaches with the end results. The SL is $11K with an APR after 6 months 0% promo of 13.25, even slightly lower then both my Diners club APR's of 13.99 respectively which are the lowest APR's i currently hold except the recently acquired 8% Ring Card.

For stats junkies like me i had exactly 10 INQ's at time of app within 1 year (6 within 6 months) on Experian. I do not count back any further when applying because FICO doesn't when calculating them into our scores. My EX FICO is totally unknown to me but i estimate somewhere from 680 up because it was FICO 699 about 60 days ago in Sept. I'll update when i find out myself. My overall total utility is always maintained from around 3%-5%. Highest current individual card percentage is 35% but usually <30%. Roughly 7 new accounts the past 90 days with 1 closed by consumer.

Re: BBVA Compass NBA Amex Approved!!

ddemari — Tue, 10 Nov 2015 19:19:41 GMT

Dang congrats on taking on that beast!!!

Re: BBVA Compass NBA Amex Approved!!

ddemari — Tue, 10 Nov 2015 19:20:17 GMT

If I didn't have 50 inquires on EX I'd roll the dice again on it hahaha

Re: BBVA Compass NBA Amex Approved!!

Anonymous — Tue, 10 Nov 2015 19:21:05 GMT

Congrats---good sl and apr on it.

Re: BBVA Compass NBA Amex Approved!!

Anonymous — Tue, 10 Nov 2015 19:29:19 GMT

congrats

Re: BBVA Compass NBA Amex Approved!!

Anonymous — Tue, 10 Nov 2015 19:33:53 GMT

Congrats

Re: BBVA Compass NBA Amex Approved!!

tiger_uppercut — Tue, 10 Nov 2015 19:33:54 GMT

Awesome, congrats! Do these cards not come with chips? I should get mine this week, I'll be really surprised if not.

Re: BBVA Compass NBA Amex Approved!!

baller4life — Tue, 10 Nov 2015 19:40:44 GMT

Nice job Magic!

Re: BBVA Compass NBA Amex Approved!!

Anonymous — Tue, 10 Nov 2015 19:42:43 GMT

CM that's a great SL and APR on this one!! Congrats glad this one worked out for an approval. I got 15.24 with a 667 EX so your APR sounds about right for a 680 or better EX score. Congrats again!!

Re: BBVA Compass NBA Amex Approved!!

CreditMagic7 — Tue, 10 Nov 2015 19:43:05 GMT

@tiger_uppercut wrote:
Awesome, congrats! Do these cards not come with chips? I should get mine this week, I'll be really surprised if not.

No chip.

Re: BBVA Compass NBA Amex Approved!!

Anonymous — Tue, 10 Nov 2015 20:05:11 GMT

HMM... Well, the Trailblazers are only about 180 miles away and I did live in Portland at one point. HMM...

Re: BBVA Compass NBA Amex Approved!!

baller4life — Tue, 10 Nov 2015 20:33:15 GMT

@Anonymous wrote:
HMM... Well, the Trailblazers are only about 180 miles away and I did live in Portland at one point. HMM...

You app yet?

Re: BBVA Compass NBA Amex Approved!!

tiger_uppercut — Tue, 10 Nov 2015 20:44:33 GMT

@Anonymous wrote:
HMM... Well, the Trailblazers are only about 180 miles away and I did live in Portland at one point. HMM...

Or, you could choose the winningest franchise in the history of the league.

Re: BBVA Compass NBA Amex Approved!!

CreditCuriosity — Tue, 10 Nov 2015 20:49:47 GMT

Congats on your nice approval and a good apr!

Re: BBVA Compass NBA Amex Approved!!

CreditCuriosity — Tue, 10 Nov 2015 20:51:56 GMT

@baller4life wrote:
@Anonymous wrote:
HMM... Well, the Trailblazers are only about 180 miles away and I did live in Portland at one point. HMM...
You app yet?

You know his luck NASA ring a bell, he is ripe for a picking of unable to verify identity with BBVA

Re: BBVA Compass NBA Amex Approved!!

tryme — Tue, 10 Nov 2015 21:11:46 GMT

Congratulations!!

Re: BBVA Compass NBA Amex Approved!!

CreditMagic7 — Tue, 10 Nov 2015 21:20:35 GMT

@CreditCuriousity wrote:
Congats on your nice approval and a good apr!

The APR on this card is really a nice surprise that i surely didn't expect at all but welcome it with pure joy. I had to pass up a US Bank preapproval mailer in Sept that also had a nice 13 something APR, the first decent APR from anyone except Barclays Ring Card, because there were plenty of changes since they softed TU for it in August. I didn't catch the SP until AFTER the spree was over and then (of course) that mailer arrived. I since just did a PC over to that card and with that they did a first ever CLI in 3 years!! unrequested but it still has high APR.

Pretty stoked over BBVA from this since it was one of those that you're glad you took the chance with after you see your results.

Plus who doesn't benefit their credit profile from SINGLE PULL accnts. The very reason i refuse to apply anymore to Chase.

Re: BBVA Compass NBA Amex Approved!!

ddemari — Tue, 10 Nov 2015 21:20:51 GMT

The apr is nice on that card. I want to know who gets the 29.9% apr.

Honestly when I applied last time, I thought dang they are going to give someone 30% apr, even if they really hate all my inquiries, they might consider me lol.

couldn't verify my ID. then I pop like 6 approvals and said forget trying to recon with them.

Re: BBVA Compass NBA Amex Approved!!

tryme — Tue, 10 Nov 2015 21:22:27 GMT

I am done with Chase, as well.

Re: BBVA Compass NBA Amex Approved!!

CreditCuriosity — Tue, 10 Nov 2015 21:27:25 GMT

@CreditMagic7 wrote:
@CreditCuriousity wrote:
Congats on your nice approval and a good apr!
The APR on this card is really a nice surprise that i surely didn't expect at all but welcome it with pure joy. I had to pass up a US Bank preapproval mailer in Sept that also had a nice 13 something APR, the first decent APR from anyone except Barclays Ring Card, because there were plenty of changes since they softed TU for it in August. I didn't catch the SP until AFTER the spree was over and then (of course) that mailer arrived. I since just did a PC over to that card and with that they did a first ever CLI in 3 years!! unrequested but it still has high APR.

Pretty stoked over BBVA from this since it was one of those that you're glad you took the chance with after you see your results.

Plus who doesn't benefit their credit profile from SINGLE PULL accnts. The very reason i refuse to apply anymore to Chase.

oh you can get chase to bend to your ways... they always want two, but I give them one after I found out the reason to their madness. I found this out after speaking with the EO about some stuff and getting them to remove a HP awhile ago.