topic Re: 3 strikes and they're OUT in Credit Card Applications

Rural King Harvest Card

CreditMagic7 — Mon, 22 Nov 2021 18:03:18 GMT

Hey MyFico Bunch. Does anyone know if Redstone Federal Credit Union is still issuing their harvest card by walking into Rural King farm stores to app?

Some of our members posted success on obtaining theirs by applying in-store which when approved also automatically enrolled them into the Credit Union as well. Curious if this is still going on.

Re: Rural King Harvest Card

FinStar — Tue, 23 Nov 2021 00:08:08 GMT

The last time I visited one of their stores (around Oct), they were still promoting the card on one of the front table areas. You can also apply online. I don't believe there's any advantage from one or the other as far as UW or the odds. About the only thing I can think of is verifying your ID on the spot which may speed the process a bit. When I applied online last year I was approved without having to visit a store + I was enrolled automatically with RFCU 🤷🏼‍♂️

Re: Rural King Harvest Card

Guyatthebeach — Tue, 23 Nov 2021 01:03:17 GMT

CreditMagic7,

Rural King is still doing the card apps in the store. You can still apply online too. Also Redstone FCU still offering the Brighter Day savings account with a 2.015% APR for the first $2500.

Guyatthebeach

Re: Rural King Harvest Card

CreditMagic7 — Tue, 23 Nov 2021 04:24:17 GMT

I see. Thanks. Also any idea who they pull for an Inquiry?

Re: Rural King Harvest Card

FinStar — Tue, 23 Nov 2021 05:38:00 GMT

Experian.

Re: Rural King Harvest Card

CreditMagic7 — Wed, 24 Nov 2021 19:56:06 GMT

Thanks @FinStar and @Guyatthebeach - Out of some caution wanted to be certain while laying down plans for the next spring season.

I'll revisit the Personal Finance sub-forum on them and weigh it's worth and satisfaction from previous or current holders as well to see how they fare.

Re: Rural King Harvest Card

Guyatthebeach — Thu, 25 Nov 2021 16:02:11 GMT

CreditMagic7,

I have the card and like it a lot. I not have a single bad thing about the card. When I applie, I had to call in to verify some information. The process was relatively painless. I also think highly of Redstone FCU as well.

It's definitely worth taking a look at getting, especially if you shop at Rural King.

Guyatthebeach

Re: Rural King Harvest Card

C6 — Thu, 25 Nov 2021 17:00:07 GMT

I'm surprised at how good this card is for a store card. 0% promotional pricing, no FX fees, no balance transfer fees, no cash advance fees, 18% interest, and 1.5% back on all purchases outside RK. If you shop at RK regularly this is a no brainer. RK has good prices. As an example, right now they have 10% off all firearms which can easily be stacked with the 5% cash back.

3 strikes and they're OUT

CreditMagic7 — Wed, 20 Apr 2022 15:59:13 GMT

I can't for the life of me land a Rural King Card from the Redstone Credit Union to save my soul.

A friend of mine came fresh out of a BK and got that card easy peasey when it was Harvest Card. I already tried twice in 2 years and some many months apart with the same bonehead lousy result. Yesterday, and with my profile way much better than before with higher scores i tried one final time. Today i got YET another email of declined AGAIN. Alabama whamma based RedStone sux and for me is a complete waste on another HP with that outfit. Rural King is such a convenient familiar and close proximity Farm Business Supplier near me but looks like their off the list permanently to any further intentions to try anymore.

What's the old saying? 3 strikes and your OUT!

So be it.

Re: 3 strikes and they're OUT

FinStar — Wed, 20 Apr 2022 16:26:08 GMT

Well, in all fairness (even for others who may have qualified with BK on CRs), you had mentioned you were going to wait, especially with the number of new accounts in the past 24 months.

IMO, you rushed and struck yourself out of the game. Profile being better is all relative. I'd venture to say that if you had waited just a bit longer, it's likely you would've been ok. Alas, hindsight is 20/20.

Re: 3 strikes and they're OUT

CYBERSAM — Wed, 20 Apr 2022 18:10:20 GMT

@CreditMagic7 Dude! " Rural King Card from the Redstone Credit Union" Seriously! 🤦‍♂ Not even CC collectors are looking at this card!

It's 1% card at best with a CU in middle of nowhere that you probably need to be related to someone to get it!

Come back to the Garden and stop with all the jaywalking... 🌱

Re: 3 strikes and they're OUT

CreditMagic7 — Wed, 20 Apr 2022 18:24:44 GMT

@CYBERSAM wrote:
@CreditMagic7 Dude! " Rural King Card from the Redstone Credit Union" Seriously! 🤦‍♂ Not even CC collectors are looking at this card!
It's 1% card at best with a CU in middle of nowhere that you probably need to be related to someone to get it!
Come back to the Garden and stop with all the jaywalking... 🌱

Arrow in the dark- It's taking me some catching up- last i recalled awhile ago in years it was the proverbial "jump to it" card that auto enrolled takers to that CU. The fact that it is a CU sponsor made it seemed not so bad a hold, but sure wasn't aware it's spent it's attraction, whatever that was. Not a necessity by any stretch by me but sure didn't realize it's long since considered a dud.

Ha Ha- "jaywalking" That lightens the lost INQ on it if nothing else. I actually just called in and requested an appeal to try to at least reclaim the probably lost INQ. I guarantee now that they likely won't even bother. Live & learn. SIGH

Re: 3 strikes and they're OUT

Guyatthebeach — Thu, 21 Apr 2022 02:02:29 GMT

CreditMagic7,

Sorry to hear that you didn't get approved. I have the card and my use has dropped dramatically since RK changed the rewards. I still Redstone and their great rate on the savings account, though.

I got approved with my bankruptcy still on my CR's, so I don't know why they didn't approve you. I'd go garden fora while and try again in a year or so.

Guyatthebeach

Re: 3 strikes and they're OUT

AverageJoesCredit — Thu, 21 Apr 2022 02:17:52 GMT

@CreditMagic7 wrote:
@CYBERSAM wrote:
@CreditMagic7 Dude! " Rural King Card from the Redstone Credit Union" Seriously! 🤦‍♂ Not even CC collectors are looking at this card!
It's 1% card at best with a CU in middle of nowhere that you probably need to be related to someone to get it!
Come back to the Garden and stop with all the jaywalking... 🌱
Arrow in the dark- It's taking me some catching up- last i recalled awhile ago in years it was the proverbial "jump to it" card that auto enrolled takers to that CU. The fact that it is a CU sponsor made it seemed not so bad a hold, but sure wasn't aware it's spent it's attraction, whatever that was. Not a necessity by any stretch by me but sure didn't realize it's long since considered a dud.

Ha Ha- "jaywalking" That lightens the lost INQ on it if nothing else. I actually just called in and requested an appeal to try to at least reclaim the probably lost INQ. I guarantee now that they likely won't even bother. Live & learn. SIGH

Lol we all have these moments.....at least this average Jose😆

Re: 3 strikes and they're OUT

AverageJoesCredit — Thu, 21 Apr 2022 02:20:13 GMT

@CYBERSAM wrote:
@CreditMagic7 Dude! " Rural King Card from the Redstone Credit Union" Seriously! 🤦‍♂ Not even CC collectors are looking at this card!
It's 1% card at best with a CU in middle of nowhere that you probably need to be related to someone to get it!
Come back to the Garden and stop with all the jaywalking... 🌱

😂 that's 😁

You need to stop in the Garden Club so they can borrow your " Jaywalking " verbiage. You my friend just created a new myFico slang 😆

Re: 3 strikes and they're OUT

CreditMagic7 — Thu, 21 Apr 2022 21:47:40 GMT

@Guyatthebeach wrote:
CreditMagic7,

Sorry to hear that you didn't get approved. I have the card and my use has dropped dramatically since RK changed the rewards. I still Redstone and their great rate on the savings account, though.

I got approved with my bankruptcy still on my CR's, so I don't know why they didn't approve you. I'd go garden fora while and try again in a year or so.

Guyatthebeach

@Guyatthebeach - I posted in the above reply that i reached out to them almost immediately for an appeal. A while ago i just got another EX Alert (Today) but the previous one was magically removed. Does that mean anything?

Re: 3 strikes and they're OUT

PapaTunde — Sat, 23 Apr 2022 02:06:39 GMT

Youre more persistant than I would be.

I was denied by WF 2 years ago and have never tried my luck again with them.

Sorry about your bad mojo

Re: 3 strikes and they're OUT

CreditMagic7 — Sat, 23 Apr 2022 08:52:29 GMT

@PapaTunde wrote:
Youre more persistant than I would be.
I was denied by WF 2 years ago and have never tried my luck again with them.
Sorry about your bad mojo

No matter. General consensus has it they aren't exactly so attractive anyway, weak or no useful rewards etc,

Just my own effort for another try with a local rural retailer better left to themselves. Way better selections out there.

Re: 3 strikes and they're OUT

CreditMagic7 — Sat, 23 Apr 2022 22:48:15 GMT

@PapaTunde wrote:
Youre more persistant than I would be.
I was denied by WF 2 years ago and have never tried my luck again with them.
Sorry about your bad mojo

@Guyatthebeach @CYBERSAM

Got the RedStone flop letter today showing my current Experian 742

Reason stated was: Frequency of financing/Time of Established Credit/Inquiries

Fair enough alabama whamma.

Re: 3 strikes and they're OUT

CYBERSAM — Sun, 24 Apr 2022 00:55:54 GMT

@CreditMagic7 wrote:
@PapaTunde wrote:
Youre more persistant than I would be.
I was denied by WF 2 years ago and have never tried my luck again with them.
Sorry about your bad mojo
@Guyatthebeach @CYBERSAM
Got the RedStone flop letter today showing my current Experian 742
Reason stated was: Frequency of financing/Time of Established Credit/Inquiries
Fair enough alabama whamma.

@CreditMagic7 So they did you a favor then! lol

Your score is decent, just garden for much better card!