topic Re: Applying for CC thru Experian Credit Card matches in Credit Card Applications

Applying for CC thru Experian Credit Card matches

Anonymous — Sun, 14 Oct 2018 17:57:57 GMT

Signed into my Experian account today and received matches for over 13 CC's based on current profile (Good-675). At the top of the list was the Discover IT card however, I'd like to app the Wells Fargo Propel card (which was #6 on the list). With a 675 CS, a recent mortgage (6mo ago) and a home short sale back in 2013, I'm wondering if app'g for the WF card would be a good idea. I've got 5 (mortgage related) INQ's for past year and that's it. Read a lot of denials in the blogs here. Anyone w/ a similar credit score been approved for the Propel card?

Re: Applying for CC thru Experian Credit Card matches

Anonymous — Sun, 14 Oct 2018 18:13:38 GMT

I don't have any experiance with the Propel card but I heard they like to see that you have a bank account with them. As for the Discover card you can see if you been pre-appoved. In my opinion I think the uber card is better then the propel depending on if you care more about eating out or online purcashes because it gets 4x back on dinning(uber eats), 3x on travel and 2x on online purchases and uber.

Re: Applying for CC thru Experian Credit Card matches

Anonymous — Sun, 14 Oct 2018 21:19:46 GMT

Thanks @shawk08033. I'll surf the board for Uber post to see what my odds of approval might be. I was interested in in Propel as its rewards are more fitting for me: sub, travel, gas, eating out/in. Gonna do a sbs comparison and see how the two measure up. Thanks again

Re: Applying for CC thru Experian Credit Card matches

Anonymous — Sun, 14 Oct 2018 22:03:25 GMT

No problem, I wasn't aware of the 3x back in gas with the propel card, that wroth the 1x less in dinning. Credit Krama has me at a poor rating for the propel card, see my details in my signature so you can compare with your situtation and experian has me as a match for the card. Not sure which is more acturate.

Re: Applying for CC thru Experian Credit Card matches

Anonymous — Sun, 14 Oct 2018 22:18:36 GMT

Ok, that's weird that CK has your scores lower than EX or TU. From what I've seen CK always inflates scores and arent a reliable source. How do you get your info in your tag? I haven't figured that one out yet

Re: Applying for CC thru Experian Credit Card matches

kilroy8 — Sun, 14 Oct 2018 22:19:58 GMT

I can only speak from my own experience, but I have my mortgage and 401K with Wells Fargo, and they send me preapprovals for the Propel every month. I don't need it, as I have better returns already.

If you do business with Wells Fargo, and you qualify for the Propel, I think they will let you know.

Re: Applying for CC thru Experian Credit Card matches

Anonymous — Sun, 14 Oct 2018 22:45:20 GMT

Unfortunately, I don't do any biz w/ WF and wldnt want to open an account just to get their card. I'll shop around but appreciate all your input here. Best wishes to you! Once again, can you tell me how you put your accolades in the signature of your post?

Re: Applying for CC thru Experian Credit Card matches

kilroy8 — Sun, 14 Oct 2018 22:57:25 GMT

http://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td-p/2262839

Re: Applying for CC thru Experian Credit Card matches

Anonymous — Sun, 14 Oct 2018 22:58:50 GMT

@Anonymous wrote:
Unfortunately, I don't do any biz w/ WF and wldnt want to open an account just to get their card. I'll shop around but appreciate all your input here. Best wishes to you! Once again, can you tell me how you put your accolades in the signature of your post?

Click on My settings and go to personal infomation.

Re: Applying for CC thru Experian Credit Card matches

Shooting-For-800 — Wed, 17 Oct 2018 23:25:42 GMT

Uber and Propel are both very conservative cards.