topic Re: FINAL CARD AND SCORE in Credit Card Applications

FINAL CARD AND SCORE

Anonymous — Thu, 22 Jun 2017 13:17:21 GMT

Appears the FINAL card company uses somrthing other than FICO 8....I applied and the letter stated my EX score was 45 points lower than Fico 8....

Re: FINAL CARD AND SCORE

Anonymous — Fri, 23 Jun 2017 16:55:08 GMT

FICO 9, specifically BANKCARD 9 variant. We wrote a blog post about how confusing FICO can be here: https://getfinal.com/company-news/2017/04/11/what-Is-your-FICO-score/

Re: FINAL CARD AND SCORE

fltireguy — Fri, 23 Jun 2017 17:46:33 GMT

Who is "WE"? Do you work for Final?

Re: FINAL CARD AND SCORE

Anonymous — Sat, 24 Jun 2017 08:20:34 GMT

Yep, this is me: <mod edit> I'm sorry, personal contact into isn't permitted on this site. UncleB, myFICO Moderator

Re: FINAL CARD AND SCORE

Anonymous — Sat, 24 Jun 2017 08:22:36 GMT

@Anonymous wrote:
Yep, this is me: <mod edit>

LoL...Good one....arfrank, can we discuss my decline?

Re: FINAL CARD AND SCORE

Anonymous — Sat, 24 Jun 2017 08:24:08 GMT

No, unable to discuss specific customer matters, but I'm here to provide answers for what I can. Verification: <mod edit>

Edit: And that is an overarching policy, unable to discuss any specifics at all related to applications or customers.

Re: FINAL CARD AND SCORE

Anonymous — Sat, 24 Jun 2017 08:26:18 GMT

@Anonymous wrote:
No, unable to discuss specific customer matters, but I'm here to provide answers for what I can. Verification: <mod edit>

Edit: And that is an overarching policy, unable to discuss any specifics at all related to applications or customers.

Bummer, was hoping to get the card.....all the auto inq hurt me....**bleep** car guys

Re: FINAL CARD AND SCORE

Anonymous — Fri, 23 Jun 2017 18:40:26 GMT

**bleep** car guys indeed, sorry to hear that.

Re: FINAL CARD AND SCORE

medicgrrl — Fri, 23 Jun 2017 23:44:57 GMT

Are you here to get feedback or just checking out why people like your competition?

Re: FINAL CARD AND SCORE

Anonymous — Fri, 23 Jun 2017 23:49:42 GMT

Disappointed you're not bankruptcy friendly at all. My BK is 5 years out and I was declined with an EX score in the 700s

Re: FINAL CARD AND SCORE

Spotsy — Sat, 24 Jun 2017 01:15:37 GMT

It's a very cool card....got mine a month ago and then got it upgraded to a signature. It would be cool if you could add the BlisPay feature for 6 months same as cash....oh and quicken support :-). At any rate..I am a fan....use it for all my automatic bill pays...VC for each biller...love it!

Re: FINAL CARD AND SCORE

Anonymous — Sat, 24 Jun 2017 01:28:53 GMT

Feedback, competition, wherever we can provide reasonably transparency. We're credit card afficianados at Final ourselves, so here to just lend a hand from the other side of the coin.

Re: FINAL CARD AND SCORE

Anonymous — Sat, 24 Jun 2017 01:30:16 GMT

Glad you like it! We're big fans too! Quicken/Mint is in the works, almost there, just waiting on them to finish it up.

Re: FINAL CARD AND SCORE

Scupra — Sat, 24 Jun 2017 04:19:24 GMT

Is there any customer facing answer in regards to odds of an approval with BK?

Re: FINAL CARD AND SCORE

UncleB — Sat, 24 Jun 2017 09:00:11 GMT

Just a friendly reminder that the TOS doesn't allow us to disclose personal information on myFICO, or link to another site that does so.

Thanks for understanding.

--UB

Re: FINAL CARD AND SCORE

Anonymous — Sat, 24 Jun 2017 14:04:24 GMT

I'd like to know too Scupra. The sole reason I was declined was bankruptcy

Re: FINAL CARD AND SCORE

AverageJoesCredit — Sat, 24 Jun 2017 16:50:50 GMT

The name of card lacks pinache

Re: FINAL CARD AND SCORE

pipeguy — Sun, 25 Jun 2017 00:41:59 GMT

@AverageJoesCredit wrote:
The name of card lacks pinache

As does the rewards IMO (1%? in today's market?) I get the "security" marketing angle, but otherwise I can't see anything "special" with this offer/card.

Re: FINAL CARD AND SCORE

CreditCuriosity — Sat, 24 Jun 2017 20:44:33 GMT

@pipeguy wrote:
@AverageJoesCredit wrote:
The name of card lacks pinache
As does the rewards IMO (1%? in todays market?) I get the "securty" marketing angle, but otherwise I can't see anything "special" with this offer/card.

Agree.. Not really sure what market card is going after. 1% rewards is really the very basics along with consumer isn't responsible for unauthorized charges per visa so kinda find the card pointless in its current state in my opinion. It is a unique concept for those over-concerned or not really educated they aren't responsible for unauthorized charges which will get a bit of paranoid people. Now if it offered a bit more than the 1%, might consider giving it another look, but with 1.5% cards the normal and more-so 2% cards coming more and more common I don't see a huge need for this card.