topic Re: Approved for REI Co-Op World MC in Credit Card Approvals

Approved for REI Co-Op World MC

Anonymous — Tue, 24 Nov 2020 22:30:15 GMT

Here I am in the garden minding my own business when I receive yet another pre-qual mailer from REI / US Bank. (It's almost like they send a new one every 3 weeks!) Since I already have two (2) cash back cards (GS Apple Card + NFCU CashRewards), I've been aiming to build up my portfolio of points rewards. Go Team Points! In fact I just picked up my CSP not too long ago, and hit the $4K organic spend to get that amazing 80K-point SUB. While my next planned app (AMEX Plat) was not supposed to be until Feb 2021, I couldn't resist the 5% back at REI + $100 REI GC after first purchase + $100 REI GC after $2K spent in first 90 days. I shop at REI regularly [and with most travel on hold], this would be a great accompaniment to my outdoor adventures.

I am not currently nor have ever been a US Bank customer, and Ihad no expectations going into it. After entering in the confirm code and my info, I hit submit... waited about 30 seconds. My avg FICO isn't the best, so I was expecting a denial or low SL. To my surprise, the following offer appeared. (see below)

Another thing I did not expect was the option to accept this offer or forfeit. Of course I accepted! The purchase APR after 18 months is on the higher side, but doesn't really matter for me as I only carry a very small balance (~$10) for reporting. Now really... back DEEP in the garden.

DPs:

Approved $10,500 SL

CA resident - US Bank Pulled TU only

FICO 8 EXP 682 EQ 712 TU 698

Util 12%

Income $165K

Re: Approved for REI Co-Op World MC

cashorcharge — Tue, 24 Nov 2020 22:30:56 GMT

That's terrific! Congratulations on your approval!

Re: Approved for REI Co-Op World MC

gdale6 — Tue, 24 Nov 2020 22:43:15 GMT

Very nice SL, grats on it

Re: Approved for REI Co-Op World MC

coreyb80 — Tue, 24 Nov 2020 23:20:53 GMT

Congrats on the approval!

Re: Approved for REI Co-Op World MC

ACN323 — Wed, 25 Nov 2020 01:22:52 GMT

Congrats on your approval! Awesome SL! This one is on my future list.

Re: Approved for REI Co-Op World MC

CreditAggie — Wed, 25 Nov 2020 01:23:05 GMT

Congratulations on your REI approval!

Re: Approved for REI Co-Op World MC

M_Smart007 — Wed, 25 Nov 2020 01:54:14 GMT

Congratulations!

Re: Approved for REI Co-Op World MC

AllZero — Wed, 25 Nov 2020 03:56:07 GMT

Congratulations on your approval!

Re: Approved for REI Co-Op World MC

Anonymous — Tue, 01 Dec 2020 18:10:59 GMT

Wahoooooo congrats!!! I was just approved for this a month ago and I couldn't be happier Glad to see others in the same boat!

Re: Approved for REI Co-Op World MC

WhiteCollar — Sun, 31 Jan 2021 23:25:40 GMT

@Anonymous Congrats on your approval!! I just received the exact same offer but mine did not state pre-approved. However, it did come with an offer code with an expiration date. Did your offer specifically say "pre-approved"?

Thank you!

Re: Approved for REI Co-Op World MC

sjt — Mon, 01 Feb 2021 20:31:55 GMT

Congrats!

I believe the card is a World Elite Mastercard, not that it makes a big difference.

Re: Approved for REI Co-Op World MC

Credit4Growth — Mon, 01 Feb 2021 20:35:59 GMT

Congratulations!