topic Re: BBVA Clearpoints in Credit Card Approvals

BBVA Clearpoints

Anonymous — Sat, 11 Jan 2020 20:11:42 GMT

I got a pre-qualified (not pre-approved) mailer for the BBVA Clearpoints VISA. I applied last Saturday (1/5) and got the "Thank you for your application for a new BBVA ClearPoints Credit Card. It's under review now, and we may need to request a few more details. If further information is needed, we'll contact you soon to discuss" message. I noticed that I didn't have a hard pull from any credit bureau and hadn't heard anything back from BBVA by Thursday so gave them a call early afternoon. The CSR contacted the originations department. She said they had all the information they needed and the next step was the credit department. Shortly after, I got a notication of an Experian hard pull & an email saying "We received your application for a new BBVA ClearPoints Credit Card. In fact, it’s under review now, but taking a little longer than usual to process." At 2:18AM, I got an email saying, "Congratulations! Your application has been approved and your new BBVA ClearPoints Credit Card is on its way." It didn't say what my limit was, so that'll be a surprise when I receive the card. :-)

Hopefully, they have decent 3% quarterly categories. I'm now at 30 credit cards now including 7 in the last 6 months, so I think I'm headed to the garden for a while :-)

My Experian profile. FICO 8 736 FICO 9 735. 17/24 inq and 8/6 inq including 1 just 2 days prior from FNBO (Driveplus Jeep credit card - declined).

Re: BBVA Clearpoints

AllZero — Sat, 11 Jan 2020 20:13:53 GMT

Congratulations on your approval!

Re: BBVA Clearpoints

crys12065 — Sat, 11 Jan 2020 20:20:52 GMT

Congrats on your approval! I am sure if you call them they will give you the SL unless you like surprises lol

I have this card and the catagories are pretty good, they include dining, entertainment, gas, groceries, healthcare, retail, maintenance, utilities travel and business services. I am not sure how broad the categories are though, I mainly use the retail as my 3% since i have most other things covered with other cards.

Re: BBVA Clearpoints

Anonymous — Sat, 11 Jan 2020 21:58:04 GMT

Congratulations!

Re: BBVA Clearpoints

nuohlac — Sun, 12 Jan 2020 01:07:06 GMT

Congratulations on your approval!!!

Re: BBVA Clearpoints

JNA1 — Sun, 12 Jan 2020 02:43:05 GMT

@Anonymous wrote:
I got a pre-qualified (not pre-approved) mailer for the BBVA Clearpoints VISA. I applied last Saturday (1/5) and got the "Thank you for your application for a new BBVA ClearPoints Credit Card. It's under review now, and we may need to request a few more details. If further information is needed, we'll contact you soon to discuss" message. I noticed that I didn't have a hard pull from any credit bureau and hadn't heard anything back from BBVA by Thursday so gave them a call early afternoon. The CSR contacted the originations department. She said they had all the information they needed and the next step was the credit department. Shortly after, I got a notication of an Experian hard pull & an email saying "We received your application for a new BBVA ClearPoints Credit Card. In fact, it’s under review now, but taking a little longer than usual to process." At 2:18AM, I got an email saying, "Congratulations! Your application has been approved and your new BBVA ClearPoints Credit Card is on its way." It didn't say what my limit was, so that'll be a surprise when I receive the card. :-)

Hopefully, they have decent 3% quarterly categories. I'm now at 30 credit cards now including 7 in the last 6 months, so I think I'm headed to the garden for a while :-)

My Experian profile. FICO 8 736 FICO 9 735. 17/24 inq and 8/6 inq including 1 just 2 days prior from FNBO (Driveplus Jeep credit card - declined).

Congrats! The ClearPoints card has a great categories. Utilities category covers home utilities (power, water, trash p/u, gas etc) , TV/phone/internet, and cell phone service. I paid my car insurance with it today and I hope it codes as bills/utilities as well. Retail is a broad category as well.

Re: BBVA Clearpoints

Anonymous — Sun, 12 Jan 2020 05:56:21 GMT

Congrats on your BBVA Clearpoints Visa approval!

Re: BBVA Clearpoints

M_Smart007 — Sun, 12 Jan 2020 15:33:07 GMT

Congratulations!

Re: BBVA Clearpoints

AverageJoesCredit — Sun, 12 Jan 2020 15:48:27 GMT

Clearly congrats is in order.

Re: BBVA Clearpoints

19eighty5 — Mon, 13 Jan 2020 03:03:45 GMT

Congratulations on your approval!

Re: BBVA Clearpoints

ChargedUp — Mon, 13 Jan 2020 03:14:46 GMT

Congrats on approval for a very versatile card!

Re: BBVA Clearpoints

Traveler101 — Mon, 13 Jan 2020 03:22:47 GMT

Congrats on your approval!

Re: BBVA Clearpoints

Marz2002 — Mon, 13 Jan 2020 19:41:05 GMT

CONGRATS @JacksonM404 on your BBVA Clearpoints approval and Welcome to the BBVA family!!!

Re: BBVA Clearpoints

frugal47374 — Tue, 14 Jan 2020 04:48:58 GMT

Congratulations on the approval.

Once you find out your credit limit, could you come back and let us know? I'm considering this card but am curious what CLs are granted for various FICO scores (and other relevant data.)

Re: BBVA Clearpoints

JNA1 — Tue, 14 Jan 2020 04:58:10 GMT

I was approved for this card with a 751 F8 score and 8 INQ's on Experian with a $15,300 SL and a 16.74% APR. The SL and APR was shown on the prequal site before I actually applied, and I got what the prequal said

Re: BBVA Clearpoints

althes — Thu, 30 Jan 2020 02:17:57 GMT

Funny I have a BBVA checking account, but can't use the prequal due to the state I live in, interesting.

Re: BBVA Clearpoints

M_Smart007 — Thu, 30 Jan 2020 02:57:07 GMT

@althes wrote:
Funny I have a BBVA checking account, but can't use the prequal due to the state I live in, interesting.

Same for Me .. Call BBVA, they may take your phone application.

Re: BBVA Clearpoints

althes — Fri, 31 Jan 2020 03:04:12 GMT

Thanks I will do that in a couple months.