topic Re: Chance at getting best APR terms. in Credit Cards

Chance at getting best APR terms.

creditconcept — Fri, 06 Feb 2015 20:35:29 GMT

I want you all's honest opinion. Im trying to go for either the CSP or the Citi DC,

With my current credit profile:

Fico: 725

AAoA: 1 year 8 months

util: 9% ($1,019/$11,300)

Highest limit card $4,300

5 open accounts (4 CC, 1 Installer (14k/14k balance)

7 inquires on TU, 6 on EQ/EX

No derogatory marks ever

What is the chance I will get a SL of 5k and the best APR terms, if not the best, do you all think I will get better than the worst terms? any advice?

Thanks!!

Re: Chance at getting best APR terms.

Anonymous — Fri, 06 Feb 2015 20:37:59 GMT

@creditconcept wrote:
I want you all's honest opinion. Im trying to go for either the CSP or the Citi DC,
With my current credit profile:

Fico: 725
AAoA: 1 year 8 months
util: 9% ($1,019/$11,300)
Highest limit card $4,300
5 open accounts (4 CC, 1 Installer (14k/14k balance)
7 inquires on TU, 6 on EQ/EX
No derogatory marks ever

What is the chance I will get a SL of 5k and the best APR terms, if not the best, do you all think I will get better than the worst terms? any advice?
Thanks!!

Why not try for a Venture AND a CSP. I think you have a decent chance if all your FICO's are up to similar status.

Re: Chance at getting best APR terms.

creditconcept — Fri, 06 Feb 2015 20:40:59 GMT

Venture is not out of the question thanks.

My only issue is im hesitant, because I dont think a 2k card @ 22.9% will be beneficial to me.

I just am not sure my reports are at the "excellent" level yet

Yes all 3 are exactly the same (725 - 1 extra inquiry /730/730)

Re: Chance at getting best APR terms.

Anonymous — Fri, 06 Feb 2015 20:43:14 GMT

I'm getting the 18.99 terms on CSP on prequal... I would assume you would get equal or better. My AAoA is <1 yr. Both companies have a prequal site, see what pops up. As does cap1 with the venture offer. CLs on Double Cash haven't been fantastic from what I have seen.

Re: Chance at getting best APR terms.

Anonymous — Fri, 06 Feb 2015 20:42:50 GMT

@creditconcept wrote:
Venture is not out of the question thanks.
@Anonymous only issue is im hesitant, because I dont think a 2k card @ 22.9% will be beneficial to me.
I just am not sure my reports are at the "excellent" level yet
Yes all 3 are exactly the same (725 - 1 extra inquiry /730/730)

Do yourself a favor and go look at the approvals section to get an idea of what Capital One considers "Excellent" right now.

@Anonymous is a fantastic option as always. As well as the US Airways (Might get middle set of terms @ 19.99% though - App this one first)

Re: Chance at getting best APR terms.

creditconcept — Fri, 06 Feb 2015 20:45:16 GMT

Just pulled the trigger, Got CSP at 4K @ 15.99%

Happy Day

Goodbye Garden

Re: Chance at getting best APR terms.

creditconcept — Fri, 06 Feb 2015 20:46:12 GMT

@creditconcept wrote:
@Anonymous pulled the trigger, Got CSP at 4K @ 15.99%

Happy Day
Goodbye Garden
P.S I believe it is having a Freedom with 1 year history, not my ficos, that got me this

Re: Chance at getting best APR terms.

Anonymous — Fri, 06 Feb 2015 20:47:56 GMT

@creditconcept wrote:
@Anonymous pulled the trigger, Got CSP at 4K @ 15.99%

Happy Day
Goodbye Garden

How do you get 4K on a CSP, Surely you jest.

Re: Chance at getting best APR terms.

Skye12329 — Fri, 06 Feb 2015 20:48:53 GMT

I was wondering the same thing. Because minimum starting line on CSP is 5k and 15.99% apr is standard for that card.

Re: Chance at getting best APR terms.

CreditMagic7 — Fri, 06 Feb 2015 20:49:04 GMT

Congrats! on the new Chase approval.

Re: Chance at getting best APR terms.

Skye12329 — Fri, 06 Feb 2015 20:49:38 GMT

As for the venture cards:

VentureOne is a 3k starting
Venture is a 5k starting

Re: Chance at getting best APR terms.

Anonymous — Fri, 06 Feb 2015 20:50:40 GMT

good thing, I was looking at the wrong card...CSP is 15.99. Fredom prequal is 18.99 lol.

Re: Chance at getting best APR terms.

creditconcept — Fri, 06 Feb 2015 20:54:16 GMT

Gentlemen gentlemen, I hit the key next to the 5 by accident 4.

Anyway, I checked the cap one prequal and it said "no offors" I checked Chase and I got the slate at 17.99% and the CSP at 15.99%

Since I wanted the CPS anyway, I applied and got 5k @ 15.9%. I thought I was doing good, but then I checked again and it looks like they only offer 1 APR (15.9)on csp, is that true?

Anyway, this is my lowest APR now, and also my highest limit (by $750) since my fredom sits at 22.9 and my cap one at 20.9 Boa and Discover are the same at 18.9 (Student IT and boa 123)

Anyway, Still a productive afternoon......

Re: Chance at getting best APR terms.

Anonymous — Fri, 06 Feb 2015 20:56:09 GMT

@creditconcept wrote:
Gentlemen gentlemen, I hit the key next to the 5 by accident 4.

Anyway, I checked the cap one prequal and it said "no offors" I checked Chase and I got the slate at 17.99% and the CSP at 15.99%
Since I wanted the CPS anyway, I applied and got @5k @ 15.9%. I thought I was doing good, but then I checked again and it looks like they only offer 1 APR (15.9)on csp, is that true?

Anyway, this is my lowest APR now, and also my highest limit (by $750) since my fredom sits at 22.9 and my cap one at 20.9 Boa and Discover are the same at 18.9 (Student IT and boa 123)

Anyway, Still a productive afternoon......

Yes, They offer one APR. You're either approved or you're not.

Re: Chance at getting best APR terms.

creditconcept — Fri, 06 Feb 2015 20:57:06 GMT

@Anonymous wrote:
@creditconcept wrote:
Gentlemen gentlemen, I hit the key next to the 5 by accident 4.

Anyway, I checked the cap one prequal and it said "no offors" I checked Chase and I got the slate at 17.99% and the CSP at 15.99%
Since I wanted the CPS anyway, I applied and got @5k @ 15.9%. I thought I was doing good, but then I checked again and it looks like they only offer 1 APR (15.9)on csp, is that true?

Anyway, this is my lowest APR now, and also my highest limit (by $750) since my fredom sits at 22.9 and my cap one at 20.9 Boa and Discover are the same at 18.9 (Student IT and boa 123)

Anyway, Still a productive afternoon......
Yes, They offer one APR. You're either approved or you're not.

Damn, thought I was special

haha

Re: Chance at getting best APR terms.

Anonymous — Fri, 06 Feb 2015 20:59:50 GMT

special is relative. you have your card. I have my prequal. That makes you more specialer than me.

Re: Chance at getting best APR terms.

creditconcept — Fri, 06 Feb 2015 21:00:28 GMT

I have another question,

When I fill out a pre-qual form on a site, does the bank actuall SP my credit report and compare it to their products, or does it just search their database for mailers they may have sent to me in the past?

thanks

Re: Chance at getting best APR terms.

creditconcept — Fri, 06 Feb 2015 21:02:32 GMT

@Anonymous wrote:
special is relative. you have your card. I have my prequal. That makes you more specialer than me.

I know, I cant wait for my card to arrive now!!

I am going to take it out of my wallet and put it shinny side up in the little plastic doggie bowle every time I go though a metal detector now! Be jealous people in line

Re: Chance at getting best APR terms.

Anonymous — Fri, 06 Feb 2015 21:11:17 GMT

Chase has softed me about 4x in the last 6 weeks. I have checked the prequal more than that...I'm guessing they take a peek periodically. I was curious when the terms on the freedom were going to change so I kept checking. They spam my mailbox like its gonna make me pull the trigger. 10 more weeks ya rotten buggers.

Re: Chance at getting best APR terms.

chwebb1 — Fri, 06 Feb 2015 21:12:33 GMT

@creditconcept wrote:
@Anonymous pulled the trigger, Got CSP at 4K @ 15.99%

Happy Day
Goodbye Garden

Time to give up your Silver spade in your sig.

Congrats on your approval.