topic Re: Blispay approved in Credit Card Approvals

Blispay approved

corradovr6 — Wed, 23 Nov 2016 15:11:28 GMT

Thanks to everyone that replied to my post about being declined for blispay for verifying identify. Just got my acceptance email after sending in documents a few days ago. starting limit $5,000. I'll take it. now I just hope they didn't decide to pull my report again. thanks again.

Re: Blispay approved

pipeguy — Wed, 23 Nov 2016 15:27:21 GMT

Congrats on a great card --- only advice is to keep close track on the account and how items are coded to insure you don't mix "regular purchases" with promotional purchases. The 6 months free financing is a great feature, but sometimes they break out parts of a larger sale and code it as a 30 day payment item. I pretty much only use mine for promotional sales and its served me very well for that purpose, but in one case the "service fee" charge of about $25 was coded as a 30 day sale whereas the $1500 primary sale was coded promotion (one actual combined sale) - just caught it by chance and paid the $25 quickly.

Really fantasic card tho....2% back and 6 months no interest no payments, can't beat that !

Re: Blispay approved

corradovr6 — Wed, 23 Nov 2016 15:41:42 GMT

thanks for the heads up. basically you're saying it was broken up into two transactions and since the one was less than $200 it doesn't get included in the promotion? happy to have this card. i never buy anything i couldn't pay in cash but the 6 months is nice to have in my back pocket(ocd thing i guess of not liking to see a chunk of money go bye bye when i could split it up interest free).and i needed an everyday non category 2% card.

Re: Blispay approved

CreditCuriosity — Wed, 23 Nov 2016 15:42:53 GMT

Love my Blispay on 0% apr.. Plan on using it on my taxes again this coming year.. Great card. I primarily use it just for 0% things and my fidelity for other 2% non cat spending to keep them seperate to avoid confusion as pipeguy mentioned.

Quite honestly their website is very simple and very easy to read and follow. You shouldnt have any issues.

Re: Blispay approved

Random_idiot — Wed, 23 Nov 2016 17:14:21 GMT

@CreditCuriousity wrote:
Love my Blispay on 0% apr.. Plan on using it on my taxes again this coming year.. Great card. I primarily use it just for 0% things and my fidelity for other 2% non cat spending to keep them seperate to avoid confusion as pipeguy mentioned.

Quite honestly their website is very simple and very easy to read and follow. You shouldnt have any issues.

How long does the 0% APR last for?

Re: Blispay approved

corradovr6 — Wed, 23 Nov 2016 17:16:50 GMT

every purchase that is over 200 dollars automatically gets a 6month 0% apr

Re: Blispay approved

Random_idiot — Wed, 23 Nov 2016 17:21:36 GMT

Wow, that's freakin amazing!

I also like the 21 months 0% APR from Citi Simplicity

Re: Blispay approved

Anonymous — Wed, 23 Nov 2016 20:11:44 GMT

Congrats!!! I think they pull EXP, and you need a 680 score at least.

Re: Blispay approved

pipeguy — Thu, 24 Nov 2016 00:35:55 GMT

@corradovr6 wrote:
every purchase that is over 200 dollars automatically gets a 6month 0% apr

As long as the amount over $199 is coded as "promotion" you will still get the 2% cash back and 6 months "no interest no payments".

I also think getting into the web site is kind of a PITA with the "texted code" every time and no place to change your telephone or email on site (CS just told me they added the email option, but they are working on the email thing - how hard is that to do?)

Don't get me wrong, as an instant "large purchase" option its great and the 2% is in line with other cards, I just see some growing pains that should have been corrected by now.

My wife and I each have this card $7500 CL each, we've used it for some major dental work (2k), funeral expenses (just under 10k) and state personal property taxes (just over 1200 I think), each time 2% back, 6 months no payments, no interest. I don't carry it in my wallet, but it's a great tool when we need it (I have other 2% cards). BTW, to date, I have not paid a penny in interest to Blispay and they've paid us just under $300 - hard to beat that.

Re: Blispay approved

corradovr6 — Wed, 23 Nov 2016 20:46:30 GMT

I'm just wondering how long this "promotion" will last and what the next "promotion" will be.

Re: Blispay approved

Anonymous — Wed, 23 Nov 2016 23:45:53 GMT

It's a great card. From what I have read this is not a promotional thing. It's the way the card is structured.

Re: Blispay approved

corradovr6 — Thu, 24 Nov 2016 09:04:58 GMT

they state on their FAQ that they can change this offer and or add additional offers in the future. bound to change sometime. probably raise it to 500 dollars or something is my guess.