topic Re: Chances? in Credit Cards

Chances?

Harvey26 — Tue, 03 Nov 2015 16:31:38 GMT

I currently work at macys and best buy and I was wondering what are my chances at the Macys Amex and Best Buy Ciit Visa?

Scores: EQ: 673 TU: 684 EX: (still havent reached my 6 months)

AAoA: TU: 10 months (so long because I am an AU on BOA Card) EQ: 2months

Re: Chances?

Anonymous — Tue, 03 Nov 2015 17:56:54 GMT

I work at BB and I have probably done 400-500 applications in working there and have seen all types of applicants and discussed their backgrounds. I probably know almost as much as the person who set up the algorithm for the Best Buy Credit Card now, hahaha.

What's your income like? Any baddies? Location (can tell you possibly which bureau is pulled)? Utilization on the BoA card you are an AU as?

Give us more details!

Re: Chances?

Harvey26 — Wed, 04 Nov 2015 03:27:30 GMT

Income is around $25,000 and no baddies no lates and Virginia and for the BOA card the UTL is 0%

@Anonymous wrote:
I work at BB and I have probably done 400-500 applications in working there and have seen all types of applicants and discussed their backgrounds. I probably know almost as much as the person who set up the algorithm for the Best Buy Credit Card now, hahaha.

What's your income like? Any baddies? Location (can tell you possibly which bureau is pulled)? Utilization on the BoA card you are an AU as?

Give us more details!

Re: Chances?

creditguy — Wed, 04 Nov 2015 04:14:58 GMT

Scores aren't bad at all but file is kinda thin, are you just an AU? Do you have any other accounts?

Re: Chances?

Harvey26 — Wed, 04 Nov 2015 04:53:50 GMT

I have a discover $1K and Wells Fargo Secured: $300 in my name

@creditguy wrote:
Scores aren't bad at all but file is kinda thin, are you just an AU? Do you have any other accounts?

Re: Chances?

creditguy — Wed, 04 Nov 2015 05:11:38 GMT

Well it's completely up to you to take a shot, you may end up with store versions instead of the desired Amex and visa. It might be advisable to wait a little longer and add some time to your file to better your odds. Any particular desire for these cards over a traditional Amex or visa?

Re: Chances?

Anonymous — Wed, 04 Nov 2015 05:17:51 GMT

My coworker got the best buy with 620.

Re: Chances?

Harvey26 — Wed, 04 Nov 2015 13:13:20 GMT

applied for the BCE and was denied so i thought id try this way.

@creditguy wrote:
Well it's completely up to you to take a shot, you may end up with store versions instead of the desired Amex and visa. It might be advisable to wait a little longer and add some time to your file to better your odds. Any particular desire for these cards over a traditional Amex or visa?

Re: Chances?

takeshi74 — Wed, 04 Nov 2015 14:00:30 GMT

Profile is very thin and new. I'd advise spending some time building. What's the rush?

Re: Chances?

Anonymous — Wed, 04 Nov 2015 14:14:59 GMT

@takeshi74 wrote:
Profile is very thin and new. I'd advise spending some time building. What's the rush?

Re: Chances?

creditguy — Wed, 04 Nov 2015 15:18:06 GMT

Harvey26 wrote:

applied for the BCE and was denied so i thought id try this way.

creditguy wrote:
Well it's completely up to you to take a shot, you may end up with store versions instead of the desired Amex and visa. It might be advisable to wait a little longer and add some time to your file to better your odds. Any particular desire for these cards over a traditional Amex or visa?

Well Macy's Amex is just a co branded Amex and has nothing to do with centurion bank Amex, so the Macy's card won't help. I would just sit tight and add some time and another card or two to thicken your file. No need to go overboard just a few cards will do, and in time you'll get that Amex.