topic Re: HELP PLEASE in Credit Cards

HELP PLEASE

ljavonna — Sat, 26 Aug 2017 16:30:37 GMT

My hubby and I need a credit card with a decent balance 10k +.......is there a company that's checks TU only? That scores is 731.

First time posting 😊

Re: HELP PLEASE

CreditInspired — Sat, 26 Aug 2017 16:50:19 GMT

Hi and welcome to MyFICO

Google credit pulls database, and insert any and all the variables you want.

Re: HELP PLEASE

AverageJoesCredit — Sat, 26 Aug 2017 17:27:37 GMT

Lol, maybe Navy Fed if you could join. Many have been known to get huge sl even with less than perfect credit. They seem to pull TU for recent credit card apps.

Re: HELP PLEASE

ljavonna — Sat, 26 Aug 2017 17:46:27 GMT

Thank you we are members of NFCU 🙂 I'm going to try them

Re: HELP PLEASE

JR_TX — Sat, 26 Aug 2017 18:59:06 GMT

Hi ljavonna and welcome to myFICO community!

Barclay cards almost exclusively pull TU if they have a card that interests you. Also, any Synchrony backed cards such as Marvel MC.

Hope you can stick around.

Re: HELP PLEASE

Appleman — Sat, 26 Aug 2017 19:02:05 GMT

Hold the phone.

It sounds like you are needing to pay for something, maybe up to $10,000?

Just a word of caution, I would not recommend maxxing out a new card as that could spook the credit card issuer. Also you can really lower your score with high utilization. Try to stay below 30% or better yet, don't cary a ballance.

Since you did not ask for a lecture...

(caution these are not TU only cards!) Try CapitalOne Venture, they are known to give $10K (my wife) and $20K (me) credit lines when the rest of your file supports it.

Have also had good luck with NFCU (25K) and PenFed (30K) credit lines. NFCU will often grant a CLI at 90 days.

Good luck and why the need for $10K (just me being nosy)?

Re: HELP PLEASE

ljavonna — Sun, 27 Aug 2017 14:42:56 GMT

Thank you everyone....I applied and got the 24 business hour message. Great point with utilization @Appleman. We need to do some improvements around our house.

Re: HELP PLEASE

AverageJoesCredit — Sun, 27 Aug 2017 16:22:20 GMT

Lowes by Synchrony may start you small but with a phone call you might be able to get it over 10k pretty fast. Its a card that can get as high as 35k without POI. Probably a good card for home improvement

Re: HELP PLEASE

Anonymous — Sun, 27 Aug 2017 16:37:48 GMT

@ljavonna wrote:
@Thank you everyone....I applied and got the 24 business hour message. Great point with utilization @Appleman. We need to do some improvements around our house.

Have you checked on a HELOC? That may be a better route. Again, NFCU would be a good source.

Re: HELP PLEASE

Anonymous — Sun, 27 Aug 2017 17:44:50 GMT

Barclays is pretty serious TU.

Re: HELP PLEASE

Creditaddict — Mon, 28 Aug 2017 02:03:56 GMT

@ljavonna wrote:
@Thank you everyone....I applied and got the 24 business hour message. Great point with utilization @Appleman. We need to do some improvements around our house.

LOWES~!!

They Pull TU only.

You can call 877-379-8170 instantly after approval and ask for $25k and they will counter if not approve the full amount.

They have 5.99% fixed for 84 months on all major purchases over $3500 if you ask for it at checkout!

Re: HELP PLEASE

ljavonna — Mon, 28 Aug 2017 03:04:04 GMT

Is lowes the same as synchrony marvel.....because the declined me 😏

Re: HELP PLEASE

ljavonna — Mon, 28 Aug 2017 03:06:10 GMT

Synchrony declined me they said wait for letter

Re: HELP PLEASE

Creditaddict — Mon, 28 Aug 2017 17:38:16 GMT

@ljavonna wrote:
Synchrony declined me they said wait for letter

For a Lowes card with a 700 something TU?!!

Re: HELP PLEASE

K-in-Boston — Mon, 28 Aug 2017 17:44:02 GMT

@Creditaddict wrote:
@ljavonna wrote:
Synchrony declined me they said wait for letter
For a Lowes card with a 700 something TU?!!

This! A 731 even. OP was the decline you were referring to thew Marvel card or the Lowe's card? (Wasn't completely clear to me.) Have you previously had a bad relationship with Synchrony (previously GE)?

Re: HELP PLEASE

ljavonna — Mon, 28 Aug 2017 23:29:02 GMT

Hi yes it was the synchrony Marvel. I've never had a card with Synchrony or GE! The only thing I can think of is the 8 inquiries over the past 3 years.

Re: HELP PLEASE

ljavonna — Mon, 28 Aug 2017 23:30:34 GMT

I also tried for the sleep number bed and they said noooo....so I know that synchrony is DEF not liking me

Re: HELP PLEASE

K-in-Boston — Mon, 28 Aug 2017 23:37:05 GMT

As a former Sleep Number owner, congrats on dodging a bullet. Lost count of how many times I woke up with my hands and feet 8 inches above my body when it completely deflated overnight due to faulty pumps replaced time after time!

That said, I'm actually shocked that Synchrony isn't approving you. Lots of people here with far more inquiries and lower scores with Lowe's. Anything else that may be hindering an approval on your reports?

Re: HELP PLEASE

Anonymous — Mon, 28 Aug 2017 23:53:55 GMT

@K-in-Boston wrote:
As a former Sleep Number owner, congrats on dodging a bullet. Lost count of how many times I woke up with my hands and feet 8 inches above my body when it completely deflated overnight due to faulty pumps replaced time after time!

That said, I'm actually shocked that Synchrony isn't approving you. Lots of people here with far more inquiries and lower scores with Lowe's. Anything else that may be hindering an approval on your reports?

I feel like there has got to be more to the story here.

Sync was one of the first to start offering bassically any of their cards to me that i apped for very early in my rebuild when i still had 3 collections on my reports and scores in the low 600s.

If OP really has a 731 and seemingly no baddies but is being declined there must be more here we are not hearing about. That makes absolutely no sense.

Re: HELP PLEASE

ljavonna — Tue, 29 Aug 2017 00:08:46 GMT

I screenshot myfico as soon as I figure out how