topic Re: The Duck Card Visa - shocking CL! in Credit Card Approvals

The Duck Card Visa - shocking CL!

new_earth — Thu, 15 Aug 2013 23:40:06 GMT

I can't find the thread for the life of me, but a few weeks ago Ron1 posted a link to an extensive credit card marketplace on Amazon.com, and one of them was the The Duck Card Visa by Oregon Community Credit Union, but this specific card you do not need to be a member. here's the link to the site: http://theduckcard.com/

I didn't get instant approval, said they were processing my application. I didn't bother calling either. Then the other day I got something in the mail from them, no letter of denial or approval, just stating what my credit score was in their system and how to get a copy of my credit report.

Then today I open the mailbox and by now I know (and love) the feeling of a credit card in an envelope. Opened it, and it was the The Duck Card, for $7500 CL My highest CL yet. Pretty good terms too! No annual fee, I get 0% for 7 months and then 10.99%; 1.9% on balance transfers for a year, then 10.99%. $10 transfer fee or 3% whichever higher (same for cash advance). ...anyway, pretty good terms considering the other cards I have. This is also my lowest APR!!!! My DCU is 15.25 and Discover is 0 for 14 months and then 20.99.

So damn, best overall interest rate and highest CL! I would call to ask for more but I never have luck with recons

So thanks Ron!

Just letting all know in case anyone wants to apply. I think I'm ready to do a few balance transfers and lower my monthly payments

Re: The Duck Card Visa - shocking CL!

myjourney — Thu, 15 Aug 2013 23:42:37 GMT

@new_earth wrote:
I can't find the thread for the life of me, but a few weeks ago Ron1 posted a link to an extensive credit card marketplace on Amazon.com, and one of them was the The Duck Card Visa by Oregon Community Credit Union, but this specific card you do not need to be a member. here's the link to the site: http://theduckcard.com/

I didn't get instant approval, said they were processing my application. I didn't bother calling either. Then the other day I got something in the mail from them, no letter of denial or approval, just stating what my credit score was in their system and how to get a copy of my credit report.

Then today I open the mailbox and by now I know (and love) the feeling of a credit card in an envelope. Opened it, and it was the The Duck Card, for $7500 CL My highest CL yet. Pretty good terms too! No annual fee, I get 0% for 7 months and then 10.99%; 1.9% on balance transfers for a year, then 10.99%. $10 transfer fee or 3% whichever higher (same for cash advance). ...anyway, pretty good terms considering the other cards I have. This is also my lowest APR!!!! My DCU is 15.25 and Discover is 0 for 14 months and then 20.99.

So damn, best overall interest rate and highest CL! I would call to ask for more but I never have luck with recons

So thanks Ron!

Just letting all know in case anyone wants to apply. I think I'm ready to do a few balance transfers and lower my monthly payments

Congrats

Re: The Duck Card Visa - shocking CL!

Anonymous — Thu, 15 Aug 2013 23:54:30 GMT

Very nice...no membership required?

What bureau did they pull for those who might be interested?

Re: The Duck Card Visa - shocking CL!

Luscher — Thu, 15 Aug 2013 23:59:34 GMT

was it this on amazon: http://www.amazon.com/compare-credit-card-offers/b?ie=UTF8&node=5284529011

Re: The Duck Card Visa - shocking CL!

new_earth — Fri, 16 Aug 2013 00:00:40 GMT

@Anonymous wrote:
Very nice...no membership required?

What bureau did they pull for those who might be interested?

No you don't have to be a member. I remember when I went to the link Ron posted on Amazon it said eligibility requirements - none.

They pulled Equifax.

I wonder if they were trying to beat my Care Credit CL of $6,000? My regular CC's are not very high CL's.

Also, I got this deal and CL with very many newly opened accounts, AAoA around 8 or 9 months total (would be less if not for one AU account). Only one fairly old charge off, and 39 inqs ssshhhhh i do not have that many! do not

Re: The Duck Card Visa - shocking CL!

new_earth — Fri, 16 Aug 2013 00:01:41 GMT

@Luscher wrote:
was it this on amazon: http://www.amazon.com/compare-credit-card-offers/b?ie=UTF8&node=5284529011

that's not the exact link but it's somewhere in there. I found that link on google but couldn't find the stuff I was looking at when Ron posted it. Maybe he'll show up and find it.

Re: The Duck Card Visa - shocking CL!

Anonymous — Fri, 16 Aug 2013 00:18:15 GMT

What was the score that they sent you?

Re: The Duck Card Visa - shocking CL!

new_earth — Fri, 16 Aug 2013 00:30:03 GMT

their internal scoring, it was like 400+something to 900 i think. Or high 800's. I ranked as a 728 I think. Sorry I threw it away not realizing I was approved.

My actual FICO score is 724 on EQ, but it's kind of a bad 724. Low age, lots of inq's, etc. Chase, Barclay, Amex, CIti, etc. won't look at me. Also don't get approved for some store cards. Feels good to be in 700's though

Re: The Duck Card Visa - shocking CL!

MsLadyRover — Fri, 16 Aug 2013 02:20:40 GMT

Congratulations!

Re: The Duck Card Visa - shocking CL!

HeilFico — Fri, 16 Aug 2013 03:24:53 GMT

CONGRATS!!!

I'd like more info as well. Ron, where are you?

Re: The Duck Card Visa - shocking CL!

new_earth — Fri, 16 Aug 2013 03:47:38 GMT

@HeilFico wrote:
CONGRATS!!!

I'd like more info as well. Ron, where are you?

We don't really need him I don't think, the link to apply is here: http://theduckcard.com/

it was just on the amazon link he posted where I found out it existed.

Re: The Duck Card Visa - shocking CL!

HeilFico — Fri, 16 Aug 2013 03:59:46 GMT

How many new accounts did you open within the last year? Did you have a bal on any before apping?

I have 0 inquires on Eq but some on TU and Exp by way of new accounts since Feb. I'd say about 6-8 new accounts...lol

I may just hold off on this, but I am tempted...

Thanks!

Re: The Duck Card Visa - shocking CL!

new_earth — Fri, 16 Aug 2013 04:02:58 GMT

@HeilFico wrote:
How many new accounts did you open within the last year? Did you have a bal on any before apping?

I have 0 inquires on Eq but some on TU and Exp by way of new accounts since Feb. I'd say about 6-8 new accounts...lol

I may just hold off on this, but I am tempted...

Thanks!

You really don't want to know the answer to this question LOL. I have 23 accounts of my own all opened since March this year, and a lot in June. Even in July. I have balances on a few of them. The highest that showed up on there was $428 on my $1500 walmart discover. the rest were really small.

Re: The Duck Card Visa - shocking CL!

-Wade- — Fri, 16 Aug 2013 04:06:22 GMT

@new_earth wrote:
@HeilFico wrote:
How many new accounts did you open within the last year? Did you have a bal on any before apping?

I have 0 inquires on Eq but some on TU and Exp by way of new accounts since Feb. I'd say about 6-8 new accounts...lol

I may just hold off on this, but I am tempted...

Thanks!
You really don't want to know the answer to this question LOL. I have 23 accounts of my own all opened since March this year, and a lot in June. Even in July. I have balances on a few of them. The highest that showed up on there was $428 on my $1500 walmart discover. the rest were really small.

OOOOO Man , You really need to garden for a long long long time

Re: The Duck Card Visa - shocking CL!

new_earth — Fri, 16 Aug 2013 04:10:23 GMT

lol...I have been gardening. sorta.......

I still can't believe this CL though, it is just $2500 away from $10,000 I wish I had recon skills. They never work for me

Re: The Duck Card Visa - shocking CL!

djc1puno — Fri, 16 Aug 2013 04:14:36 GMT

23 new account :-o smh

Re: The Duck Card Visa - shocking CL!

new_earth — Fri, 16 Aug 2013 04:17:51 GMT

@djc1puno wrote:
23 new account :-o smh

I know....I didn't have any cards before that though and couldn't get approved for anything. Cleaned up report, got one rebuilder card and from there started getting approved all the time. Still making up for all the denials back then I was tempted to ressurect the 'dungeon' thread for app addicts on this forum but didn't feel like getting yelled at LOL.

Re: The Duck Card Visa - shocking CL!

djc1puno — Fri, 16 Aug 2013 04:26:57 GMT

New earth! You re right you deserve all of them for coming so far! Lol. If new creditors didn't like all your new accounts all they have to do is deny you...but they keep on giving congrats x 23!

Re: The Duck Card Visa - shocking CL!

new_earth — Fri, 16 Aug 2013 04:31:05 GMT

@djc1puno wrote:
congrats x 23!

haha thanks

Re: The Duck Card Visa - shocking CL!

HeilFico — Fri, 16 Aug 2013 04:32:05 GMT

Based on the info given I feel like I'd be a lock to get it! Decisions, decisions.

Awesome extended app spree btw!