topic Re: 5/3 Real Life Rewards Pending in Credit Card Applications

5/3 Real Life Rewards Pending

B335is — Tue, 20 Oct 2015 01:40:43 GMT

I've had the Stand Up To Cancer card for almost three years. I was instantly approved for that when I still lived in MI for $5500 limit (where it remains today). So I decided to log in to see if I could even apply for another card and it let me (I live in CA now which is out of their footprint). After spinning for a few minutes it said they will contact me within 30 days. Sounds like a manual review? Anybody else with that response?

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 01:44:58 GMT

B, both of my 5/3 bank apps gave me that message. the email stated this. both of my cards arrived 10 days later.

the bottom part regarding questions regarding your new accounts is what made me think I got it plus they pull FICO 04 Tu for me and thats my best score always.

Re: 5/3 Real Life Rewards Pending

B335is — Tue, 20 Oct 2015 01:47:19 GMT

Ok i got that email too. My scores are low 700s now though, hopefully they consider my existing acct history.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 01:48:07 GMT

I think you have a good chance! this was my first approval.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 01:49:25 GMT

B I think you are in! you only have the stand up to cancer card?

tu in the low 700's, golden i would say, dont want to jinx you though.

you will probably get a letter in the 5 days with your TU credit score, maybe... they did that for my first card not the second. and then the card comes a few days later.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 01:50:50 GMT

both cards came with 7k credit ines at 14.9%

Re: 5/3 Real Life Rewards Pending

CreditCuriosity — Tue, 20 Oct 2015 01:52:44 GMT

Wonder if a TU04 of 720 would get this card as that is what mine is.. Need to diversify lenders a bit more... Deffinetly within their foot print, wonder if it would help to open a checking/savings account with them as they are right across the street from my office.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 01:53:25 GMT

I have also heard that their real life rewards mastercard is easier approval than the cash rewards. I must say, 5/3 FLOODs your life with balance transfer checks. therefore I did take them up on one and havent really used the card as I am paying off the b/t quickly. but the one thing I like about 5/3 bank is they leave you alone for the most part. it would be nice if they sent emv cards but another poster on here works at 5/3 and said they arent racing to roll out the emv cards.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 01:54:03 GMT

@CreditCuriousity wrote:
Wonder if a TU04 of 720 would get this card as that is what mine is.. Need to diversify lenders a bit more... Deffinetly within their foot print, wonder if it would help to open a checking/savings account with them as they are right across the street from my office.

yes! mine was like 716 when approved with several new accounts showing.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 01:55:26 GMT

Until like 6 months ago, you couldnt push payments through their online banking site. thank god they updated that and u no longer have to send in checks. both of my cards are linked to different user name and there seems to be no way to merge them onto one user name. another quirck of theirs.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 01:56:38 GMT

5/3 bank cards are a little quircky in their own right but I love seeing some people applying for them! they treat me well.

Re: 5/3 Real Life Rewards Pending

B335is — Tue, 20 Oct 2015 05:17:38 GMT

In three years 5/3 has only sent me BT checks once. Key Bank seems to send me the best offers lately (2% fee for 12-18 months). Ddemari, thanks for the encouragement. I'll keep you posted. I really didn't think I could apply being in CA now, but who knows that could still pose an issue.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 05:42:07 GMT

For sure! I hope it works out, the being out of their territory could pose a problem that they would not let u know about of course up front. But that email regarding your new account looks super promising.

Re: 5/3 Real Life Rewards Pending

B335is — Tue, 20 Oct 2015 05:48:01 GMT

Oh my bad. The email just has an application ID.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 05:53:21 GMT

When I applied internally for the 3 rd card and was Denied 3 weeks later is mail, I never even received an email about my application. If u don't hear from them in 10 days, then in about 20-25 days they will send u a letter.

Re: 5/3 Real Life Rewards Pending

B335is — Tue, 20 Oct 2015 05:56:38 GMT

Ok I'll keep my fingers crossed then. I really don't use the SU2C card much, just an occasional haircut.

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 05:59:43 GMT

Once I pay off my cards, I'm hoping they start to send me some more lucrative offers. Their reward redemptions on RL and CR MC's are kind of high, requiring u to have to spend spend in order to redeem those points.

Re: 5/3 Real Life Rewards Pending

12njoy — Tue, 20 Oct 2015 22:26:03 GMT

@B335is wrote:
I've had the Stand Up To Cancer card for almost three years. I was instantly approved for that when I still lived in MI for $5500 limit (where it remains today). So I decided to log in to see if I could even apply for another card and it let me (I live in CA now which is out of their footprint). After spinning for a few minutes it said they will contact me within 30 days. Sounds like a manual review? Anybody else with that response?

I Think you're good. that low 700's TU score is really probably closer to 750 with the model they use. When I got my two cards, my TU score was about 715. However, there model said I was at 747. I was approved for both. I think manual review is the norm and you were the exception with your 1st approval

Re: 5/3 Real Life Rewards Pending

12njoy — Tue, 20 Oct 2015 22:28:16 GMT

@B335is wrote:
In three years 5/3 has only sent me BT checks once. Key Bank seems to send me the best offers lately (2% fee for 12-18 months). Ddemari, thanks for the encouragement. I'll keep you posted. I really didn't think I could apply being in CA now, but who knows that could still pose an issue.

I get those faithfully

Re: 5/3 Real Life Rewards Pending

ddemari — Tue, 20 Oct 2015 23:12:48 GMT

The only thing could be the California part but I still think you have a good shot. Did u get an alert from TU?