topic Re: Clean EX who gets my app??? in Credit Card Applications

BOA chances?

Anonymous — Sat, 14 Apr 2018 15:26:58 GMT

Updated original post. I’ve decided to go for BOA. I’d really like the Premium Rewards SUB, but a bit worried it’ll be hard to get?

EX score 747, 6 inq in last 6 mo and 3 new accounts. Util 15% with no baddies. I didn’t burn them in BK with a card but they did own my mortgage at the time they eventually sold off. Thoughts on app chances?
***********************original post below****
So excited...finally have a clean EX as of today! Score on CCT is now 747. I want to submit one app to celebrate.

I’m blacklist on Amex, I’m over 5/24 on Chase and Citi will do a double pull on EX/EQ (EQ has BK).

It appears US Bank, BOA and Wells Fargo will likely pull EX, also any Chase not on 5/24?

I don’t need a certain type of card as my categories are all well covered. I would like a nice SUB and a 0% APR offer for 12-18 would be nice.

I don’t know what my score is but it was 689 before my BK fell off. My Util is low.

Now... I have quite a few new accounts and 12 Inq in past 12 mo...so I need someone who isn’t sensitive to those two things.

Would love advice, thanks!

Re: Clean EX who gets my app???

Gmood1 — Fri, 13 Apr 2018 20:28:40 GMT

FNBO pulls EX 2 out 3 times for me.
Blispay pulls EX. The higher the score, the higher the limit.
Banco do Brazila pulls EX as well.
Citi pulled EX only on the last two apps.

Re: Clean EX who gets my app???

Method2Madness — Fri, 13 Apr 2018 20:31:34 GMT

I got $11,000 on a Wells Fargo Cash Rewards card with a 720 EX and 2 years banking relationship.

Re: Clean EX who gets my app???

Anonymous — Fri, 13 Apr 2018 21:28:28 GMT

As for Chase, go for the Chase Amazon Visa. It doesnt count towards 5/24.

BOA will most likely pull EX.

US Bank will not pull EX, they pull TU almost exclusively.

Re: Clean EX who gets my app???

kshurika — Fri, 13 Apr 2018 22:17:12 GMT

What state do you live in? I apped Citi DC and they pulled only EX. So did Chase and Amex. I'm in Cali.

Re: Clean EX who gets my app???

Anonymous — Fri, 13 Apr 2018 22:28:53 GMT

I’m in TX...I’ve been denied by US Bank a couple times and all were EX.

Is there any citi that wont do a double pull. AAdvantage definitely does, learned my lesson there a couple months ago.

Re: Clean EX who gets my app???

Gmood1 — Sat, 14 Apr 2018 01:21:29 GMT

AAdvantage single pulled EX for me. I'm in Alabama. They also single pulled EX for the HD commercial card.

Re: Clean EX who gets my app???

Anonymous — Sat, 14 Apr 2018 02:22:58 GMT

sdfcu exclusively pulls EX?

My wells fargo Cash Wise Visa with SUb got denied with 702 score for 4 inquiries & 4 new accounts in TX. No banking relationship. (apped Mar 31, 2018). Recon was a No Go.

Amex was a no go too. BofA send me a Secure Card app in their denial letter. All pulled EX.

Re: Clean EX who gets my app???

Anonymous — Sat, 14 Apr 2018 07:04:59 GMT

I really suggest that you get your EX scores. My EX FICO 9 is 656, EX FICO 8 is 716, EX FICO 2 is 790. That’s a really big difference. Wells Fargo pulls FICO 2 apparently for example. Probably why they approved me.

Re: Clean EX who gets my app???

Anonymous — Sat, 14 Apr 2018 09:23:21 GMT

I thought US Bank pulled TU? Either way, they ahve been giving out good SL's (have to call in).

Actually, I got a good result from Wells and US Bank recently ($15k SL each), BofA gave me a flat denial.

YMMV

Re: Clean EX who gets my app???

Anonymous — Sat, 14 Apr 2018 14:10:49 GMT

@frencheese my CCT sun refreshed today. My EX is 747 now. I don’t know which FICO product that is. I won’t get any other Ex refreshes until a couple weeks.

Re: Clean EX who gets my app???

Meanmchine — Sun, 15 Apr 2018 00:25:32 GMT

Google "credit pulls database" and play around there

Citi co-branded cards ( Bestbuy, Costco, Shell ) single pull EX

Re: Clean EX who gets my app???

greg_the_egg — Wed, 18 Apr 2018 05:41:40 GMT

Bank of America pulled Transunion for my credit card applications and CLI. They pulled Experian for an auto loan. This is in Georgia.