topic Re: Final Credit Card Approved in Credit Card Approvals

Final Credit Card Approved

Anonymous — Tue, 23 May 2017 22:22:22 GMT

Got a email today that I will receive my code later today to apply. So few hours later I got the email I applied, went into review and few hours later my Experian score was pulled by them and 15min later I get a email stated I was approved. Yay! Lol.

Experian Fico score 677 (Lots of inquiries and new accounts) this is my last card for a while.

Got $4,000 limit. I wonder how there credit limit increases work. Anyone have a idea?

Re: Final Credit Card Approved

Anonymous — Tue, 23 May 2017 23:30:02 GMT

What are my chances with a 617 FICO?

Re: Final Credit Card Approved

Anonymous — Tue, 23 May 2017 23:35:10 GMT

Goats! What card?

Re: Final Credit Card Approved

AverageJoesCredit — Tue, 23 May 2017 23:48:54 GMT

Lol, its called "Final" , so its quite confusing. Youd think it would be your Final card but the name leaves much to be desired, imho.

Congrats Op, nice limit

Re: Final Credit Card Approved

Anonymous — Tue, 23 May 2017 23:52:07 GMT

It's the Final Visa Credit Card. I see quite a few forums about it. It's through invitation only right. You have to get on there waitlist.

I am not to sure about a 617 Fico, I know on there website it says it's for good to excellent credit.

Re: Final Credit Card Approved

Anonymous — Tue, 23 May 2017 23:53:14 GMT

lol I know when I put final in the title it made it seem like it was my final card. Maybe that's what there trying to state, lol. This would be the final card u will need. Idk haha

Re: Final Credit Card Approved

Anonymous — Wed, 24 May 2017 00:02:44 GMT

https://getfinal.com

Re: Final Credit Card Approved

Creditplz — Wed, 24 May 2017 00:04:51 GMT

Email them ask to get bumped up the que, I got a email back in 2 hours with an invite... didn't apply cause the card seemed to be useless... 1% CB, $49 AF, 18.5% APR..

Re: Final Credit Card Approved

Anonymous — Wed, 24 May 2017 00:12:29 GMT

I was thinking maybe in 11 months I could call to see if they will remove the annual fee or I'll close it. But even though I don't want to. I don't mind the annual fee as long as they treat me well with nice limits and so on. We'll see how it goes, can't wait to see how increases go with this card. I hope there good

Re: Final Credit Card Approved

Spotsy — Wed, 24 May 2017 23:25:06 GMT

I liked the Virtual Card concept, I heavily use it now Not sure the card/concept will survive on its own, but if they merged with BlisPay and combined products...that would be cool. AF is waived for the first year.

P.S ... I got a one-time use code to bump to the top of the application queue if someone wants it. :-)

Re: Final Credit Card Approved

Anonymous — Wed, 24 May 2017 23:54:43 GMT

Isn't this the same thing as just generating a virtual card number with Citi? I'm trying to understand the benefit over other non-AF cards with the same feature.

Re: Final Credit Card Approved

Anonymous — Thu, 25 May 2017 02:55:04 GMT

what kind of SL are they hading out

Re: Final Credit Card Approved

Anonymous — Thu, 25 May 2017 17:33:41 GMT

From what I see $4,000 - $7,000 there may be higher ones that I missed or they haven't posted

Re: Final Credit Card Approved

Creditplz — Thu, 25 May 2017 23:55:56 GMT

Average I'm assuming is around 5k although I've seen the majority of people getting 4-4.5k and a few snatching 7k on a few different forums.

Re: Final Credit Card Approved

Anonymous — Fri, 26 May 2017 00:56:15 GMT

@Creditplz wrote:
Average I'm assuming is around 5k although I've seen the majority of people getting 4-4.5k and a few snatching 7k on a few different forums.

Any data on inquiry or new accts sensitive?

Re: Final Credit Card Approved

Creditplz — Fri, 26 May 2017 02:30:12 GMT

Nope, read on another forum someone was approved with 67 inq 5 new account in last 6 months.. EX Fico8 was around 730 6k approval.

Re: Final Credit Card Approved

fltireguy — Fri, 26 May 2017 13:44:50 GMT

I got the email invite on Wednesday. Apped and it went into review. Got a SM from them yesterday asking for verification docs, which I just forwarded (DL,SS,Utility bill)... lets see what happens
I have a million inq, and a million new acts. In the past year - let's see what happens!

Re: Final Credit Card Approved

Anonymous — Fri, 26 May 2017 14:50:48 GMT

Good luck! I have lots of inquiries and new accounts and was approved so I don't think there sensitive with those..I Didn't need to send anything in

Re: Final Credit Card Approved

Anonymous — Tue, 30 May 2017 18:44:54 GMT

So I emailed them and asked about how there CLI work and they replied by saying,

Thanks for reaching out! If you're interested in a credit limit increase, please send along:

Information about your spending
Why you’re requesting a new limit
Your current income

and I'll send it to the credit team for review.

Wasn't asking for an increase, just on how they work, like time frame and so on, but I just replied with the info they asked and 5 days later got a $1k increase, bringing my limit to $5k. Used same hard pull.

Re: Final Credit Card Approved

Creditplz — Tue, 30 May 2017 19:08:26 GMT

I went from 7.5k to 10.5k, very simple process.