topic Re: Stash Visa in Credit Cards

Stash Visa

Creditplz — Sat, 12 Mar 2016 05:36:19 GMT

My girlfriend wants to apply for this card, I haven't really heard about it all I know is that it has no FTF and seems like a decent card! What CR do they pull for the initial approval? And what scores would be in line for a approval? Her scores are all 685-700 Fico 8.

Re: Stash Visa

Anonymous — Sat, 12 Mar 2016 05:44:30 GMT

They pull transunion. My score was 729 at the time of approval.

Re: Stash Visa

Anonymous — Sat, 12 Mar 2016 06:04:40 GMT

Just keep in mind:

1. Limited footprint.

2. AF second year.

3. Mediocre rewards (bonus, earn rate, cpp value).

With 685-700 scores, it might be worth aiming higher...

Re: Stash Visa

Creditplz — Sat, 12 Mar 2016 06:54:55 GMT

She just app'd and it said they can't give a decision at this time, they'll write to her in 5-7 days.. Is there any way to call to see the status? Or a CSR? Underwriting?

Re: Stash Visa

noobody — Sat, 12 Mar 2016 09:35:14 GMT

Her score is more than enough for a Synchrony card, call Credit Solutions?

Re: Stash Visa

Anonymous — Sat, 12 Mar 2016 13:20:18 GMT

Her score may be a little low for approval for a Synchrony Visa (would be fine for a Synchrony store card, but they can get a little more selective on the Visas/Mastercards) - good luck and I hope it all works out!

Re: Stash Visa

Ysettle4 — Sat, 12 Mar 2016 17:34:10 GMT

@noobody wrote:
Her score is more than enough for a Synchrony card, call Credit Solutions?

Anything beyond a TU of 690 is nearly gauranteed.....nearly.

Re: Stash Visa

Anonymous — Sat, 12 Mar 2016 20:57:11 GMT

@Ysettle4 wrote:
@noobody wrote:
Her score is more than enough for a Synchrony card, call Credit Solutions?
Anything beyond a TU of 690 is nearly gauranteed.....nearly.

Depends on the card. Sam's Club Mastercard= 730 + if you don't want to risk being given the store card.

Plus, it also depends on what else is in her credit file, AAoA, etc. Nothing is entirely dependent upon score.

Re: Stash Visa

Anonymous — Sat, 12 Mar 2016 21:28:24 GMT

I read in another thread that Stash Visa approval start in the low 700

Re: Stash Visa

Anonymous — Sat, 12 Mar 2016 21:32:03 GMT

@Creditplz wrote:
She just app'd and it said they can't give a decision at this time, they'll write to her in 5-7 days.. Is there any way to call to see the status? Or a CSR? Underwriting?

Did she get a screen that looks like this?

If so, it may just be verification.

Re: Stash Visa

Creditplz — Sat, 12 Mar 2016 21:34:50 GMT

She got a message pretty much exactly like that, she got approved for a CSP 7 months ago, given her scores were higher then, but still I really expected her to get a instant approval..