topic Re: Nationwide Visa - Anyone apply lately? in Credit Cards

Nationwide Visa - Anyone apply lately?

jj10939 — Sat, 23 Apr 2011 23:35:28 GMT

I was wondering if anyone has applied for a Nationwide Visa lately? If so, were you:

Approved or Declined
FICO at the time of applying
Limit
Terms
etc.

Just curious..I would maybe want to apply for this card in the next couple months!

Thanks in advance for the replies!!

Re: Nationwide Visa - Anyone apply lately?

Kris1228 — Sun, 24 Apr 2011 02:45:54 GMT

Im in the market for a decent limit visa also and am also curious. Im waiting until my balances update first!! Lol

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Sun, 24 Apr 2011 16:27:03 GMT

Was it 2 years or 3 years minimal credit history that was required for applying?

Re: Nationwide Visa - Anyone apply lately?

OnWayUpinTexas — Sun, 24 Apr 2011 17:00:18 GMT

I applied online back on December 2, 2010. As I recall I got message that I would receive decision by mail. I think I called the 1-800 number for status several times, and there was never a status to be given. Ultimately, I received a letter with a single reason that said something like "terrible credit history." It didn't really say "terrible," but it was some reason I had never seen before on any denial -- short and to the point.

I had about a 702 TU score at the time (maybe higher, but it was definitely a little ABOVE 700).

I didn't try to recon (I figured the reason they gave said it all, as far as they were concerned). Haven't attempted to apply again for the same reason.

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Sun, 24 Apr 2011 17:13:04 GMT

THEY WERE GIVING GOOD LIMITS AND APPROVING CARDS NOW THEY WANT LONG HISTORY WITH ATLEST 4 CREDIT CARDS FOR MORE THEN 4 YEARS AND AFTER THAT THEY WANT UR TAX RETURNS IF U HAVE GOOD HISTORY AND UR PAYSTUBS ..BASICALY IF U APPLY WITH THEM U SHOULD THINK LIKE YOU ARE BUYING A HOUSE WORST BANK EVER NOW , FEW YEARS AGO IT WAS BEST NOW I THINK THEY RAN OUT OF MONEY LOL .....

Re: Nationwide Visa - Anyone apply lately?

Scuba — Sun, 24 Apr 2011 18:09:55 GMT

maxn4s I wouldn't take it personal. . . the people at Nationwide today are probably the same as they were a few years ago.

I am thinking, having worked at a bank, they didn't know what they were doing then, and they don't know today . That is just the way life is .... bankers are no different than us : Maybe in a few years from now they will settle into a repeatable approval pattern.

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Mon, 25 Apr 2011 00:03:09 GMT

Just approved last week.

Instant online approval

740 FICO

they pull transunion

$10k limit

Re: Nationwide Visa - Anyone apply lately?

tntexans72 — Mon, 25 Apr 2011 00:10:07 GMT

@Anonymous wrote:
Just approved last week.
Instant online approval
740 FICO
they pull transunion
$10k limit

What state do you live in?

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Mon, 25 Apr 2011 00:13:18 GMT

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Mon, 25 Apr 2011 05:48:39 GMT

Nationwide always pulls TU.

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Mon, 25 Apr 2011 06:28:38 GMT

@Anonymous wrote:
THEY WERE GIVING GOOD LIMITS AND APPROVING CARDS NOW THEY WANT LONG HISTORY WITH ATLEST 4 CREDIT CARDS FOR MORE THEN 4 YEARS AND AFTER THAT THEY WANT UR TAX RETURNS IF U HAVE GOOD HISTORY AND UR PAYSTUBS ..BASICALY IF U APPLY WITH THEM U SHOULD THINK LIKE YOU ARE BUYING A HOUSE WORST BANK EVER NOW , FEW YEARS AGO IT WAS BEST NOW I THINK THEY RAN OUT OF MONEY LOL .....

For what it's worth when i got my nationwide card late last year i only had 3 ish years of ttoal history with my oldest CC being about 5 months old. They approved me with a low limit but also with the lowest available APR at the time.

it is now my lowest limit and is basicly sockdrawered as i was told by a CSR on a recent call that they give no CLI right now. I don't mean just no auto CLI i mean she said they were doing no increases at the momment. She said they hoped to start again soon.

Re: Nationwide Visa - Anyone apply lately?

hammertime — Mon, 25 Apr 2011 12:17:00 GMT

Recently approved $7,500 with TU 708.

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Mon, 25 Apr 2011 15:31:57 GMT

Nationwide's Headquarters is in Columbus Ohio. When I lived in Ohio the CRA of choice seemed to had been TU, so that makes sense.

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Tue, 26 Apr 2011 12:50:39 GMT

I was approved in January of 2010 with a $7,500 limit. Low UTI, FICO around 720-730 at the time. Two years or so of history.

It has since been CLIed to $15,000.

Re: Nationwide Visa - Anyone apply lately?

Kris1228 — Tue, 26 Apr 2011 14:26:40 GMT

Can you apply online?! I only see an option to call.

Re: Nationwide Visa - Anyone apply lately?

Anonymous — Tue, 26 Apr 2011 19:16:37 GMT

Re: Nationwide Visa - Anyone apply lately?

haulingthescoreup — Tue, 26 Apr 2011 19:36:56 GMT

Hi maxn4s,

If you're on IE 9, there is a known glitch with posting replies on the forums. Lithium is working on this.

In the meantime, try switching to Compatibility View, whatever that is.

IE 9 issues with forums

Otherwise, if you just hit post too soon or something, you can add text to your blank post above. Just click Options, and then Edit, and start typing. hth