topic Re: CNB Crystal Visa Application in Credit Card Applications

CNB Crystal Visa Application

Shadowfactor — Tue, 30 Jul 2019 20:35:19 GMT

Since this is a less discussed card I will add my datapoints during the application and hopefully approval process.

I found out a couple days ago that CNB is owned by RBC. I bank with RBC in Barbados and am good friends with the VP of wealth management in Barbados.
I asked him for a referral and was connected to a branch manager in the San Diego area.

Spoke with her this afternoon to start the application process.
Asked her about having an income of less then 100K. Masters student with a full time job.
She said they don’t look for high income but rather care about DTI.

She asked for DL and most recent paystubs as proof during the application.
No other documents have been required thus far.

Asked income, deposit balances and liquid assets (stocks,bonds) didn’t care about retirement accounts.
No questions on debt either, but I assume they gather that from the credit report.

Stats provided:
Income 75K
Liquid assets : 45K + 15K in RBC Barbados but she didn’t think she could use the foreign assets even though it’s in RBC wealth management. She put it on the application though.

Debt :
$385 car loan monthly (fiancée’s but I cosigned)
$800 rent (half the amount of my actual rent)
$11,000 on a charge card but it’s already been paid but still showing on CR.

They already pulled my credit (experian)
EX : 763
5 HP
LOL/24
AOYA : 1 year
AAoA : 2.5 years

Will update as details become available. They said they were quite backed up as today is the last day of the 50K bonus. To expect a 3-5 day wait and should have the card within 8-10 days.

Re: CNB Crystal Visa Application

Remedios — Tue, 30 Jul 2019 20:51:08 GMT

Good luck @Shadowfactor

Re: CNB Crystal Visa Application

simplynoir — Tue, 30 Jul 2019 21:59:06 GMT

Best of luck there!

Re: CNB Crystal Visa Application

FinStar — Tue, 30 Jul 2019 22:00:55 GMT

Definitely keep us posted. Hopefully you'll hear something relatively soon.

Re: CNB Crystal Visa Application

Anonymous — Tue, 30 Jul 2019 22:10:26 GMT

Good Luck!

Re: CNB Crystal Visa Application

Anonymous — Tue, 30 Jul 2019 22:18:08 GMT

Good luck Shadowfactor, hoping to see an approval thread in the next week!

Re: CNB Crystal Visa Application

AverageJoesCredit — Tue, 30 Jul 2019 23:28:36 GMT

I highly doubt they dont look at high income but good luck

Re: CNB Crystal Visa Application

Anonymous — Wed, 31 Jul 2019 00:06:30 GMT

@AverageJoesCredit well now that we have some solid data points! Time to start a run for the CNB Crystal Visa Infinite Card. Maybe the next Unicorn? My Ficoer's need something to sink their teeth into

Re: CNB Crystal Visa Application

issac2x — Wed, 31 Jul 2019 02:44:58 GMT

Good luck @Shadowfactor hope you get the card

Re: CNB Crystal Visa Application

Peteyglad — Wed, 31 Jul 2019 11:13:04 GMT

I thought about applying, but ultimately did not for now. Good luck on your app!

Re: CNB Crystal Visa Application

AverageJoesCredit — Wed, 31 Jul 2019 13:50:23 GMT

Lol @Anonymous . The plant in the receptionist office at their bank makes more than i, id be the punchline for a year if i tried applying for their credit cards.

Re: CNB Crystal Visa Application : Approved

Shadowfactor — Thu, 01 Aug 2019 20:58:17 GMT

Heard back a couple minutes ago.

10K Approval Will have the card in the next 2-3 days.

If anyone wants a referral to the branch manager let me know

Re: CNB Crystal Visa Application : Approved

Peteyglad — Thu, 01 Aug 2019 22:58:06 GMT

Congrats shadowfactor!

How does that limit compare with your others?

Re: CNB Crystal Visa Application

nuohlac — Thu, 01 Aug 2019 23:37:04 GMT

Please keep us posted. I am trying to garden for this card; so I am very interested in the DP's and process. Good luck!!!

Re: CNB Crystal Visa Application : Approved

nuohlac — Thu, 01 Aug 2019 23:44:46 GMT

Congratulations!!!

Re: CNB Crystal Visa Application

gdale6 — Thu, 01 Aug 2019 23:58:30 GMT

As OP has now been approved this thread is closed to further comments. OP is free to begin an approval thread if so desired.

Re: CNB Crystal Visa Application : Approved

CreditCuriosity — Fri, 02 Aug 2019 01:03:11 GMT

@Shadowfactor congrats on the approval! I know you can't respond back due to it being locked, but I still can say congrats lol.. You certainly showed you dont need 100k to get approved for this card. Great DP's as well. Enjoy the card and if you create approval thread i am sure alot of good info will be in that as well