topic Re: Iberia Bank Visa or?? in Credit Cards

Iberia Bank Visa or??

Anonymous — Tue, 03 Mar 2009 11:29:14 GMT

Thinking of applying for this card...anyone here have it? Would love to know which report they pull. I've read that it takes a while to receive approval as they do a manual review. True?

I'm looking for one more lowish interest rate card...if anyone has a suggestion please tell me. I just apped and received Discover More this week. $5000...10.9%

Message Edited by VEEnVEGAS on 03-03-2009 03:29 AM

Re: Iberia Bank Visa or??

smallfry — Tue, 03 Mar 2009 11:54:30 GMT

Dunno about the card but the bank appears to be fairly strong. They already returned their TARP money.

Re: Iberia Bank Visa or??

Anonymous — Tue, 03 Mar 2009 19:19:35 GMT

Wow...didn't know that. Thanks Smallfry

Re: Iberia Bank Visa or??

Anonymous — Wed, 04 Mar 2009 06:21:05 GMT

Another interesting (or not) fact: they bought Pulaski Bank & Trust of Arkansas (issuer of the somewhat hard-to-obtain Pulaski Bank Visa cc) a few years ago.

http://www.iberiabank.com/investInfo.cfm

Re: Iberia Bank Visa or??

Anonymous — Wed, 04 Mar 2009 07:17:45 GMT

Thought they were connected to Pulaski, just wasn't sure how.

No one here has apped for one of their cards?

Re: Iberia Bank Visa or??

TangMeister — Wed, 04 Mar 2009 08:37:31 GMT

I saw three apps in a certain credit pulls database. All 3 reported TU pulls, and were from 2008. CA/VA/MA locations. Two got the card and one denied. Scores for the approvals were low/mid 700s, and one with a 2005 BK13. Denied app FICO was in the low 600s. Hope this helps. Good luck!

Re: Iberia Bank Visa or??

Anonymous — Wed, 04 Mar 2009 09:38:20 GMT

Totally helps...thank you so much! I was really hoping for TU or EX pull 740-760 on those.

Re: Iberia Bank Visa or??

Anonymous — Tue, 07 Apr 2009 15:46:55 GMT

VEEnVEGAS, did you end applying for this card? I'm curious since I'm looking for a card with a low "fixed" APR.

Re: Iberia Bank Visa or??

Anonymous — Tue, 07 Apr 2009 22:50:54 GMT

Alliant Credit Union gave me 8.5% fixed, has no BT fees, no cash advance fees and they didn't take TARP money

Re: Iberia Bank Visa or??

Anonymous — Tue, 07 Apr 2009 23:41:57 GMT

@Anonymous wrote:
VEEnVEGAS, did you end applying for this card? I'm curious since I'm looking for a card with a low "fixed" APR.

No, I never did app for it...I ended up apping and receiving a US Bank Visa instead, 7.9% variable.

Re: Iberia Bank Visa or??

Anonymous — Wed, 08 Apr 2009 00:10:32 GMT

Iberia/Pulaski are very conservative and frugal with credit limits. If you want more than a 2K line keep looking. First Command Bank pulls TU and has a card with no annual fee and a prime +1 rate, currently 4.25%.

Re: Iberia Bank Visa or??

Anonymous — Wed, 08 Apr 2009 16:28:57 GMT

txjohn, you talk me into applying for Alliant Credit Union. I was approved but the APR was a little higher than I wanted since they pulled EQ which was my lowest score at 701.