topic Re: EBATES VISA in Credit Cards

EBATES VISA

Anonymous — Tue, 28 Apr 2015 03:56:57 GMT

I was thinking about applying for the Ebates Visa. My AAofA is 2 years. I have 13 inq on TU 14 on EX and 12on EQ all in the last 4 months. My FICO scores are 706 TU-703-EX and 707 EQ. Do you think I would be approved?

Re: EBATES VISA

FinStar — Tue, 28 Apr 2015 03:58:57 GMT

How many new accounts in the last 6-12 months? What is your utilization look like? Any derogatory info lurking on any of your CRs? SYNCB can pull EX or TU for Ebates (in rare cases both).

Re: EBATES VISA

Anonymous — Tue, 28 Apr 2015 04:02:13 GMT

No Derogs, Utilization is 9%, 15 new accounts in the last 8 months

Re: EBATES VISA

FinStar — Tue, 28 Apr 2015 04:38:43 GMT

@Anonymous wrote:
No Derogs, Utilization is 9%, 15 new accounts in the last 8 months

The new accounts may present a quandry. Not impossible as far as approval but this can make it or break it to (A) receive approval for Platinum Visa vs Visa Signature and (B) you're not likely to get their Tier 1 APR% pricing.

Of course, the only way to know for sure is when you apply. If you can hold on applying to optimize your profile and age those accounts, then that may be more favorable. If you lack patience, then it's anyone's guess whether you'll be approved or not. Just keep in mind, SYNCB doesn't reconsider declined apps.

Re: EBATES VISA

B335is — Tue, 28 Apr 2015 04:23:32 GMT

Only 0.00001% of the population ever qualifies for GE tier 1 credit. I think you have a 70% approval chance. Ebates is probably the hardest GE card to get. GE has never been inq Sensitive for me.

Re: EBATES VISA

Anonymous — Tue, 28 Apr 2015 04:24:22 GMT

I think I will wait a while before applying. I did just get my BBVA Clearpoints Visa today with 4,700 CL and 13.24 APR. I think maybe around Jan. will be better. Just wanted to see what others thought. Thanks

Re: EBATES VISA

FinStar — Tue, 28 Apr 2015 04:37:25 GMT

@B335is wrote:
Only 0.00001% of the population ever qualifies for GE tier 1 credit. I think you have a 70% approval chance. Ebates is probably the hardest GE card to get. GE has never been inq Sensitive for me.

I guess I might be in that 0.00001% bucket because I got approved with Tier 1 last October for their VS Then again, this card is always PIF.

Re: EBATES VISA

ddemari — Tue, 28 Apr 2015 05:26:50 GMT

Yes u will be approved for at least 3k

Re: EBATES VISA

B335is — Tue, 28 Apr 2015 06:14:06 GMT

Yes you are the exception Finstar

Re: EBATES VISA

score_building — Tue, 28 Apr 2015 09:00:07 GMT

@B335is wrote:
Only 0.00001% of the population ever qualifies for GE tier 1 credit. I think you have a 70% approval chance. Ebates is probably the hardest GE card to get. GE has never been inq Sensitive for me.

Not that it makes one iota of difference, considering neither is anywhere near suitable to run a balance: got Tier 1: 19.99 on Paypal MC on Ebates Siggie Tier 2 at 24.99

Re: EBATES VISA

ddemari — Tue, 28 Apr 2015 14:00:05 GMT

They only pulled tu for me in illinois

Re: EBATES VISA

CreditUnionFan — Sat, 02 May 2015 22:33:11 GMT

@B335is wrote:
Only 0.00001% of the population ever qualifies for GE tier 1 credit. I think you have a 70% approval chance. Ebates is probably the hardest GE card to get. GE has never been inq Sensitive for me.

Same here. Synchrony pulled TU, saw a bunch of inquiries and new accounts, but no derogatory items, and instantly approved a $10k Ebates with their Tier 2 APR. Since I pay in full, I don't care about the APR.

I've only used the Ebates a few times, but it's a nice card to add to the mix of portal cards.

Re: EBATES VISA

gdale6 — Sat, 02 May 2015 23:36:30 GMT

@Anonymous wrote:
I was thinking about applying for the Ebates Visa. My AAofA is 2 years. I have 13 inq on TU 14 on EX and 12on EQ all in the last 4 months. My FICO scores are 706 TU-703-EX and 707 EQ. Do you think I would be approved?

Yes you will most likely be approved, 778 was insufficent of a score to achieve the best interest rate.

Re: EBATES VISA

Anonymous — Sun, 03 May 2015 00:14:42 GMT

@B335is wrote:
Only 0.00001% of the population ever qualifies for GE tier 1 credit. I think you have a 70% approval chance. Ebates is probably the hardest GE card to get. GE has never been inq Sensitive for me.

I did on my Ebates. But all that means is a lousy 19.9% APR instead of a lousier 24.9% APR.

Re: EBATES VISA

CreditCuriosity — Sun, 03 May 2015 00:20:00 GMT

@Anonymous wrote:
@B335is wrote:
Only 0.00001% of the population ever qualifies for GE tier 1 credit. I think you have a 70% approval chance. Ebates is probably the hardest GE card to get. GE has never been inq Sensitive for me.
I did on my Ebates. But all that means is a lousy 19.9% APR instead of a lousier 24.9% APR.

lol

Re: EBATES VISA

Anonymous — Sun, 17 May 2015 15:19:00 GMT

@Anonymous wrote:
@B335is wrote:
Only 0.00001% of the population ever qualifies for GE tier 1 credit. I think you have a 70% approval chance. Ebates is probably the hardest GE card to get. GE has never been inq Sensitive for me.
I did on my Ebates. But all that means is a lousy 19.9% APR instead of a lousier 24.9% APR.

Just this morning I got a preapproval for ebates at 19.9% (and had it not been for this forum I wouldn't have guessed that was a good rate!) Slightly tempted but don't need now with the first year of Discover Miles. Hopefully still available next year....