topic Re: Simmons Bank in Credit Card Applications

Simmons Bank

britt585 — Tue, 17 Sep 2019 13:41:00 GMT

Good morning....Does anyone know how many inquires are to many for simmons bank?....Please share..Thanks

Re: Simmons Bank

CreditCuriosity — Tue, 17 Sep 2019 13:46:06 GMT

Not really sure but they are VERY conservative and all stuff is under manaul UW if you didnt already know that. They will pull TU and need excellent credit 780+ probably to go for it. Not a ton of information on this site about them as alot of rebuilders or people with alot of credit and that causes most of the site population to not be able to obtain a card from them. Best of luck if you do try and see what others states, but I would speculate somewhere in the realm of under 5 Inquiries in 2 years although that is just a pure guess. It won't just be inquiries either it will be total number of accounts, aggregate CL's between cards and your overall profile.

Re: Simmons Bank

Berk — Tue, 17 Sep 2019 14:54:23 GMT

IMO about the only benefit to having a Simmons Bank credit card is the low interest rate. Much easier to get much better cards much more quickly. Again, this is just my opinion.

Re: Simmons Bank

AverageJoesCredit — Wed, 18 Sep 2019 11:48:44 GMT

+1 @Berk

I believe Simmons is more for the status but then again, here it really does not keep most peoples interest in that better cards can be found without having to be so perfect and lower apr cards can also be found. Good luck Op though on your journey

Re: Simmons Bank

coldfusion — Wed, 18 Sep 2019 16:39:39 GMT

@AverageJoesCredit wrote:
+1 @Berk

I believe Simmons is more for the status

Touche, although much of the cachet that was once associated with being a cardholder has now faded.

Re: Simmons Bank

Meanmchine — Thu, 19 Sep 2019 04:27:03 GMT

I still want this card

Re: Simmons Bank

Anonymous — Thu, 19 Sep 2019 12:36:49 GMT

@Meanmchine wrote:
I still want this card

Interest rate is good but there are cards that are easier to obtain with equal or better rates. Also their best reward rate is 1.25 and that is not competitve in today's world. Likely you knew all of this!

In my distant past this was a card I wanted to go after but, once the market place got competitive Simmons drifted out of the forefront. In truth, I did not have the credit scores to make it in the past. Today, likely so and no inquiries anywhere for two years. Now I am not going to apply.

Best of luck and please come back and provide data points if you can. Times change and you just never know?!

Re: Simmons Bank

AverageJoesCredit — Thu, 19 Sep 2019 12:45:28 GMT

Lol, isnt Simmons a Bed?

Re: Simmons Bank

Anonymous — Thu, 19 Sep 2019 12:48:30 GMT

@AverageJoesCredit wrote:
Lol, isnt Simmons a Bed?

Hey AJC, wrong thread, beds refer to @M_Smart007 and sleeping with his shoes on! Ha ha ha ok or NOT

Re: Simmons Bank

M_Smart007 — Thu, 19 Sep 2019 14:26:25 GMT

@AverageJoesCredit wrote:
Lol, isnt Simmons a Bed?

No Silly @Anonymous , "Comfort Card"