topic Re: TD Cash Back and Rakuten approvals in Credit Card Approvals

TD Cash Back and Rakuten approvals

Hex — Tue, 19 Nov 2019 13:40:00 GMT

Pleased to share data points on 2 approvals:
11/14/19- TD Cash Back Credit Card $6K Siggy Visa instant approval middle APR. I got this card for the SUB.
11/18/19- Rakuten (Sync) Siggy Visa $6.5K. Best APR. I wanted this card to get extra cash back on stuff I’m going to buy anyway. Initially got 7 to 10 day message but when doing the app they wanted to send me a text to verify it was me applying but my phone number wasn’t there to select. Thanks to this forum I knew about credit solutions so I gave them a call. Apparently I had entered the wrong telephone number when I made application. I was able to do the verification over the phone and they told me I was approved! Card will arrive in 7 to 10 days.
TD pulled Experian I’m not sure which version but my Experian FICO 8 was 733.
Rakuten is Sync so they pulled Transunion of course. TU FICO 8 was 126 but my crazy high Vantage 4 was 785 (TU Vantage 3 was 703).
Inquires in the last year TU 3
EX 4
If anyone wants more data points let me know.

Re: TD Cash Back and Rakuten approvals

AllZero — Tue, 19 Nov 2019 02:36:08 GMT

Congratulations on your approval!

Re: TD Cash Back and Rakuten approvals

M_Smart007 — Tue, 19 Nov 2019 02:41:03 GMT

Congrats on yer approvals!!!

Re: TD Cash Back and Rakuten approvals

AverageJoesCredit — Tue, 19 Nov 2019 03:40:32 GMT

You have crazy good cards only 3 years post BK7🤯 Took me 8 years to realize i could even get credit.

Congrats

Re: TD Cash Back and Rakuten approvals

KLEXH25 — Tue, 19 Nov 2019 04:41:46 GMT

Congratulations!!! I love when people post their data points. It seems people forget the importance of that. Enjoy!

Re: TD Cash Back and Rakuten approvals

Anonymous — Tue, 19 Nov 2019 05:03:50 GMT

@KLEXH25 wrote:
... I love when people post their data points. It seems people forget the importance of that ...

Amen! But not Hex. Great job posting, and Congratulations! on your approvals.

Re: TD Cash Back and Rakuten approvals

19eighty5 — Tue, 19 Nov 2019 05:13:59 GMT

Congratulations on your approval!

Re: TD Cash Back and Rakuten approvals

Hex — Tue, 19 Nov 2019 06:04:23 GMT

Thanks everyone! I especially like to share data points because of BK. That way others with BK can see which lenders are worth a shot.
AJC you may have gotten a late start but you’ve been my inspiration.

Re: TD Cash Back and Rakuten approvals

FireMedic1 — Tue, 19 Nov 2019 10:56:53 GMT

Nice. Yes great DP's for us BK'ers. Congrats!

Re: TD Cash Back and Rakuten approvals

Meanmchine — Wed, 20 Nov 2019 03:47:38 GMT

Congrats x2 !!