topic Everyones pulling Experian! in Credit Card Approvals

RC Willey Store Card - Update: Approved

Anonymous — Fri, 15 Mar 2019 06:08:14 GMT

We close on a house this week. After the keys are in our hand and the loan is funded we are thinking of going to RC Willey for furniture and appliances. I heard they have up to 18mos interest free.
Has anyone had any experience with them? Data points?
Thanks!

Mod note: I've updated your subject to reflect your approval; feel free to change/edit if you would like. --UB

Re: RC Willey Store Card

NRB525 — Tue, 12 Mar 2019 01:52:31 GMT

In the fine print, is this deferred interest? If so, you have to pay every last penny off prior to that expiration date.

If you leave anything owing all the deferred interest comes due again.

Re: RC Willey Store Card

Anonymous — Tue, 12 Mar 2019 02:04:44 GMT

It is deferred-interest. The plan is to get the 18 months interest-free but pay it off in less than 12 months to save some cash reserves. I have Care Credit so I am quite familiar with the deferred-interest game.
Does anybody have a RC Willey card and any data points they can share? Customer service told me they usually pull Equifax but sometimes Experian.

Re: RC Willey Store Card

gdale6 — Tue, 12 Mar 2019 23:59:03 GMT

@Anonymous wrote:
It is deferred-interest. The plan is to get the 18 months interest-free but pay it off in less than 12 months to save some cash reserves. I have Care Credit so I am quite familiar with the deferred-interest game.
Does anybody have a RC Willey card and any data points they can share? Customer service told me they usually pull Equifax but sometimes Experian.

Had an RCW account, opened it in 02 after a home purchase, pulled EX, had BK7 on file from 96, multi IIBs, rest of file at time was clean with heavy utilization reporting.

Re: RC Willey Store Card

crnbread73 — Wed, 13 Mar 2019 17:26:38 GMT

Not sure about RC Willey's but I went to Ashley. Not sure if they are available in your area but depending on what you spend they were having up to 5 years deferred interest. The furniture quality seems to be about the same. Just a suggestion.

Re: RC Willey Store Card

Anonymous — Wed, 13 Mar 2019 17:29:49 GMT

There is an Ashley Furniture here. It's back by synchrony. I'll look into it. Thanks.

Re: RC Willey Store Card

crnbread73 — Wed, 13 Mar 2019 21:32:10 GMT

Also doesn't hurt if you are buying a lot (I furnished a full house) I asked the best deal they could do. They offered me 50% off my the full price and 1 year deferred interest and that is what I did. I ended up getting $16000 in furniture for $8000 and 1 year deferred which works as I will have it paid in a few months. Doesn't hurt to ask.

Re: RC Willey Store Card

Anonymous — Fri, 15 Mar 2019 05:36:55 GMT

They pulled Experian. My score was 691. Approved for $4000. I got the furniture I wanted.
I went to Lowe's (store card) to get a refrigerator and they pulled Experian also. I was expecting TU. Poor Experian took a hit tonight.

Re: RC Willey Store Card

macinjosh — Fri, 15 Mar 2019 08:35:46 GMT

@Anonymous wrote:
They pulled Experian. My score was 691. Approved for $4000. I got the furniture I wanted.
I went to Lowe's (store card) to get a refrigerator and they pulled Experian also. I was expecting TU. Poor Experian took a hit tonight.

Congrats on the approval. Also, it seems many creditors really are taking a huge liking to Experian lately.

Everyones pulling Experian!

Anonymous — Mon, 18 Mar 2019 16:02:19 GMT

We just closed on a house so I applied for credit to purchase appliances, etc... I applied for certain credit cards based on who they usually pull hoping to spread out the hard pulls over the three bureaus. That did not happen. They all pulled Experian.
Lowes store card (I thought they'd pull tu)
RC Willey
Discover It Chrome (ex & eq)
DCU (auto loan ex & eq)
Time to leave Experian alone.

Re: Everyones pulling Experian!

Remedios — Mon, 18 Mar 2019 16:44:57 GMT

That's easy, stop applying for a while.

but yes, EX 😐

Congrats on your approvals, tho

Re: Everyones pulling Experian!

Anonymous — Mon, 18 Mar 2019 17:35:38 GMT

Seriously!
I applied for what I wanted now I am going to garden.