topic Re: Nationwide Qualifications? in Credit Cards

Nationwide Qualifications?

USC08 — Fri, 27 Aug 2010 02:02:26 GMT

In anyone's experience, what are the qualifications?

Do you have to bank with them in order to apply ie. checking/savings?

What CRA do they pull in CA?

What are the recommended minimum scores if any?

Util %?

This is all I can think of at the moment. If anyone can provide any other qualifications please let me know. Thanks!

Re: Nationwide Qualifications?

Creditaddict — Fri, 27 Aug 2010 02:09:00 GMT

they really seem to be a lottery of who gets approved.

they pull TU

Re: Nationwide Qualifications?

score_building — Fri, 27 Aug 2010 02:18:02 GMT

@USC08 wrote:
In anyone's experience, what are the qualifications?

Do you have to bank with them in order to apply ie. checking/savings? No.
What CRA do they pull in CA? TU (could pull any, YMMV)
What are the recommended minimum scores if any? 670+ish
Util %? 0-60% (at higher UTI chances of approval may trail off significantly)

This is all I can think of at the moment. If anyone can provide any other qualifications please let me know. Thanks! Income, time at job and address. May help if you carry their insurance products.

but they seem to be all over with approvals +1 to creditaddict.

Re: Nationwide Qualifications?

Anonymous — Fri, 27 Aug 2010 03:18:15 GMT

@Creditaddict wrote:
they really seem to be a lottery of who gets approved.
they pull TU

I had a minor issue with them and escaped unscathed. Although I like my Nationwide card, my opinion is that some of the folks behind the card are not, shall we say, the sharpest knives in the drawer.

I think that the problems at Nationwide evolve from trying to grow into a major player in the credit industry after being a sleepy little mouse for so many years. Approvals seem to be all over the page and heaven forbid they should ever ask you for I.D.

Re: Nationwide Qualifications?

Anonymous — Fri, 27 Aug 2010 03:20:13 GMT

@USC08 wrote:
In anyone's experience, what are the qualifications?

Do you have to bank with them in order to apply ie. checking/savings?
What CRA do they pull in CA?
What are the recommended minimum scores if any?
Util %?

This is all I can think of at the moment. If anyone can provide any other qualifications please let me know. Thanks!

They are very sensitive to inquiries.

Re: Nationwide Qualifications?

jefftca925 — Fri, 27 Aug 2010 14:34:33 GMT

@Anonymous wrote:
@Creditaddict wrote:
they really seem to be a lottery of who gets approved.
they pull TU
+1

I had a minor issue with them and escaped unscathed. Although I like my Nationwide card, my opinion is that some of the folks behind the card are not, shall we say, the sharpest knives in the drawer.

I think that the problems at Nationwide evolve from trying to grow into a major player in the credit industry after being a sleepy little mouse for so many years. Approvals seem to be all over the page and heaven forbid they should ever ask you for I.D.

I app'd back in January I think and I had a 720+ score on TU. They denied it because of length of history on my reporting cards wasn't 3 years. WTF?? After reading the stuff I've read about them recently I think they did me a favor. And if I recall, aren't their cards serviced by Barclay's?

Re: Nationwide Qualifications?

wmarat — Fri, 27 Aug 2010 15:40:46 GMT

@jefftca925 wrote:

@Anonymous wrote:
@Creditaddict wrote:
they really seem to be a lottery of who gets approved.
they pull TU
+1

I had a minor issue with them and escaped unscathed. Although I like my Nationwide card, my opinion is that some of the folks behind the card are not, shall we say, the sharpest knives in the drawer.

I think that the problems at Nationwide evolve from trying to grow into a major player in the credit industry after being a sleepy little mouse for so many years. Approvals seem to be all over the page and heaven forbid they should ever ask you for I.D.

I app'd back in January I think and I had a 720+ score on TU. They denied it because of length of history on my reporting cards wasn't 3 years. WTF?? After reading the stuff I've read about them recently I think they did me a favor. And if I recall, aren't their cards serviced by Barclay's?

1. They indeed did you a favor.

2. This card is not serviced by Barclay, but by E-Z Card services (they serve many CU credit cards), though I believe all decissions made by inept Nationwide employees.

Re: Nationwide Qualifications?

laz98 — Fri, 27 Aug 2010 22:44:06 GMT

@wmarat wrote:
1. They indeed did you a favor.

2. This card is not serviced by Barclay, but by E-Z Card services (they serve many CU credit cards), though I believe all decissions made by inept Nationwide employees.

ez card services....isn't that who handles the super sub-prime plains commerce bank?

Re: Nationwide Qualifications?

Anonymous — Fri, 27 Aug 2010 23:32:58 GMT

@jefftca925 wrote:

@Anonymous wrote:
@Creditaddict wrote:
they really seem to be a lottery of who gets approved.
they pull TU
+1

I had a minor issue with them and escaped unscathed. Although I like my Nationwide card, my opinion is that some of the folks behind the card are not, shall we say, the sharpest knives in the drawer.

I think that the problems at Nationwide evolve from trying to grow into a major player in the credit industry after being a sleepy little mouse for so many years. Approvals seem to be all over the page and heaven forbid they should ever ask you for I.D.

I app'd back in January I think and I had a 720+ score on TU. They denied it because of length of history on my reporting cards wasn't 3 years. WTF?? After reading the stuff I've read about them recently I think they did me a favor. And if I recall, aren't their cards serviced by Barclay's?

I know when I call with a question they don't try to sell me junk. And they give you the 1% back religiously every month. Aside from the application hassles many people have, they don't seem bad.

Barclays? I like Barclays. Best recon in town!

Re: Nationwide Qualifications?

Anonymous — Sat, 28 Aug 2010 17:07:29 GMT

@Anonymous wrote:
I know when I call with a question they don't try to sell me junk. And they give you the 1% back religiously every month. Aside from the application hassles many people have, they don't seem bad.

Barclays? I like Barclays. Best recon in town!

Recently traveled and notified the card issuers I was going and they all tried to sell me something. Not Nationwide.

Aside from that, I like the card as well. Not fancy or attractive is the design (though mine is somewhat older), I got a nice limit and a 6 month auto CLI, but best of all, is the 7.24% APR.

With respect to Barclay's, I reconned from a $6300 to a $12500 limit with 1 phone call and no hassles. So yeah, Barclay's is OK with me too.

Re: Nationwide Qualifications?

wmarat — Sat, 28 Aug 2010 19:19:01 GMT

@Anonymous wrote:

@Anonymous wrote:
I know when I call with a question they don't try to sell me junk. And they give you the 1% back religiously every month. Aside from the application hassles many people have, they don't seem bad.

Barclays? I like Barclays. Best recon in town!

+1

Recently traveled and notified the card issuers I was going and they all tried to sell me something. Not Nationwide.

Aside from that, I like the card as well. Not fancy or attractive is the design (though mine is somewhat older), I got a nice limit and a 6 month auto CLI, but best of all, is the 7.24% APR.

With respect to Barclay's, I reconned from a $6300 to a $12500 limit with 1 phone call and no hassles. So yeah, Barclay's is OK with me too.

Unfortunately, I have not been so lucky with Nationwide and I can not deal with this institution anymore. I do not remember what my APR with them is, but it is meaningles as I PIF, therefore all my APR's are 0%.

They gave me measly CL, noCLI's (to be frank I used the card 1 time only), it takes from 5 to 10 days to post payment and they have nerve to charge late fee only because they posted payment 10 days later.

CS reps barely understand what they talk about, online banking is just terrible. So good luck with them.

A lot of lenders do not try to sell products (BoA, Amex, Penfed, Addison Avenue, Lake Michigan etc).

Barclay is subprime institution and if you do not have big expectations from them, they are OK.

Re: Nationwide Qualifications?

Anonymous — Sun, 29 Aug 2010 00:52:46 GMT

@wmarat wrote:
@Anonymous wrote:

@Anonymous wrote:
I know when I call with a question they don't try to sell me junk. And they give you the 1% back religiously every month. Aside from the application hassles many people have, they don't seem bad.

Barclays? I like Barclays. Best recon in town!

+1

Recently traveled and notified the card issuers I was going and they all tried to sell me something. Not Nationwide.

Aside from that, I like the card as well. Not fancy or attractive is the design (though mine is somewhat older), I got a nice limit and a 6 month auto CLI, but best of all, is the 7.24% APR.

With respect to Barclay's, I reconned from a $6300 to a $12500 limit with 1 phone call and no hassles. So yeah, Barclay's is OK with me too.

Unfortunately, I have not been so lucky with Nationwide and I can not deal with this institution anymore. I do not remember what my APR with them is, but it is meaningles as I PIF, therefore all my APR's are 0%.
They gave me measly CL, noCLI's (to be frank I used the card 1 time only), it takes from 5 to 10 days to post payment and they have nerve to charge late fee only because they posted payment 10 days later.
CS reps barely understand what they talk about, online banking is just terrible. So good luck with them.
A lot of lenders do not try to sell products (BoA, Amex, Penfed, Addison Avenue, Lake Michigan etc).
Barclay is subprime institution and if you do not have big expectations from them, they are OK.

When I pay using the Nationwide credit card site my payments post no later than the morning following the day they say payments will be effected (usually 2 - 3 days) and my available limit is updated immediately. If I pay with an ACH push from USAA, the payment posts the day following the day USAA states is payment date. Again, usually 2 days, but sometimes 3. I cannot think of how it could take 10 days.

Barclays has a variety of cards. $12k limit isn't very subprime in my book. I do not know what would happen if I ask for a CLI, but I am not the type of individual to seek higher limits that I realistically do not need.

Re: Nationwide Qualifications?

wmarat — Sun, 29 Aug 2010 01:25:44 GMT

I use my CU Bill Pay and it does not show an ACH option for Nationwide. So they cut and mail check. It usually takes 5 up to 7 days to payment to be posted, last time it took 10 days. To be frank, Nationwide credited back late fee today, though I did not demand it (payment indeed was posted late), just mentioned it.

I have Barckay backed card. It is superb card (Ameriprise). CL is 15k and APR still 4.5%, but I still consider Barclay as a subprime lender.

Re: Nationwide Qualifications?

Red1Blue — Sun, 29 Aug 2010 01:28:18 GMT

What is the recent interest in Nationwide card by every one? Any thing special about this card?

Re: Nationwide Qualifications?

Creditaddict — Sun, 29 Aug 2010 01:29:55 GMT

@Red1Blue wrote:
What is the recent interest in Nationwide card by every one? Any thing special about this card?

no but they were kind of like cabelas for a little while approving everyone it seemed with some very nice limits, 10,15k.

but i don't think there credit department was really ready for it to happen

Re: Nationwide Qualifications?

haulingthescoreup — Sun, 29 Aug 2010 01:35:40 GMT

@Creditaddict wrote:

no but they were kind of like cabelas for a little while approving everyone it seemed with some very nice limits, 10,15k.
but i don't think there credit department was really ready for it to happen

lol, very tactfully put!

Re: Nationwide Qualifications?

Anonymous — Sun, 29 Aug 2010 01:38:27 GMT

@Creditaddict wrote:

@Red1Blue wrote:
What is the recent interest in Nationwide card by every one? Any thing special about this card?

no but they were kind of like cabelas for a little while approving everyone it seemed with some very nice limits, 10,15k.
but i don't think there credit department was really ready for it to happen

Exactly!

They do seem to be confused.