topic Re: Have VS card... got 7 to 10 day message for Crate & Barrel in Credit Cards

Have VS card... got 7 to 10 day message for Crate & Barrel

Anonymous — Tue, 03 Apr 2012 17:58:46 GMT

Just got my VS card amonth ago with a $500 credit limit. Then I applied for the Crate and Barrel card last week also from WFFNB... but got the 7 to 10 day message. What do you think my chances of getting this card is? Should I call?

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

tcbofade — Tue, 03 Apr 2012 18:13:14 GMT

I would just wait for the letter.

I learned (the hard way) that WFFNB pulls from different CRA's for different products...

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

Anonymous — Tue, 03 Apr 2012 18:17:03 GMT

@tcbofade wrote:
I would just wait for the letter.

I learned (the hard way) that WFFNB pulls from different CRA's for different products...

Are you sure about this? WFNNB pulled all EX for me (and everyone else I've seen) and they have even confirmed that they use EX PLUS scores, not FICOs.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

deseandav09 — Tue, 03 Apr 2012 18:20:35 GMT

For me they pulled Eq for vs and Ex for express I guess everyone is different

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

MarineVietVet — Tue, 03 Apr 2012 18:31:28 GMT

@Anonymous wrote:
@tcbofade wrote:
I would just wait for the letter.

I learned (the hard way) that WFFNB pulls from different CRA's for different products...
Are you sure about this? WFNNB pulled all EX for me (and everyone else I've seen) and they have even confirmed that they use EX PLUS scores, not FICOs.

Do you have a source for this? I'm not saying it's wrong but Experian says this on their site about PLUS scores:

Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

tcbofade — Tue, 03 Apr 2012 18:47:40 GMT

@Anonymous wrote:
@tcbofade wrote:
I would just wait for the letter.

I learned (the hard way) that WFFNB pulls from different CRA's for different products...
Are you sure about this? WFNNB pulled all EX for me (and everyone else I've seen) and they have even confirmed that they use EX PLUS scores, not FICOs.

Yes, I'm sure. For both myself and DW, they pulled EX for VS, but pulled EQ for The Avenue.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

laz98 — Tue, 03 Apr 2012 19:21:54 GMT

@deseandav09 wrote:
For me they pulled Eq for vs and Ex for express I guess everyone is different

+ 1. They have pulled EQ & EX for us for different WFNNB cards.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

Anonymous — Tue, 03 Apr 2012 20:15:56 GMT

Maybe here in Minnesota they prefer EQ... I know many here do... like US Bank. And I know from my USAA credit monitoring service that both times WFFNB ran my credit it was through EQ.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

LS2982 — Tue, 03 Apr 2012 21:17:33 GMT

@MarineVietVet wrote:
@Anonymous wrote:
@tcbofade wrote:
I would just wait for the letter.

I learned (the hard way) that WFFNB pulls from different CRA's for different products...
Are you sure about this? WFNNB pulled all EX for me (and everyone else I've seen) and they have even confirmed that they use EX PLUS scores, not FICOs.
Do you have a source for this? I'm not saying it's wrong but Experian says this on their site about PLUS scores:

Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders

I know for sure that Prosper uses a version of EX PLUS for their approval process.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

Anonymous — Tue, 03 Apr 2012 21:45:58 GMT

@MarineVietVet wrote:
@Anonymous wrote:
@tcbofade wrote:
I would just wait for the letter.

I learned (the hard way) that WFFNB pulls from different CRA's for different products...
Are you sure about this? WFNNB pulled all EX for me (and everyone else I've seen) and they have even confirmed that they use EX PLUS scores, not FICOs.
Do you have a source for this? I'm not saying it's wrong but Experian says this on their site about PLUS scores:

Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders

A while back people, many reported that CSRs said they used PLUS scores but this may have changed. I just called because I was rather curious myself. It seems their policies may have changed. She had no idea what a PLUS score was and her supervisor told me a FICO score was "the ratio of your income to your score". This may have changed in the last few years, especially if EX has decided to restrict PLUS scores to consumer. However, she did confirm they pull EX or EQ but predominantly EX.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

missji — Tue, 03 Apr 2012 22:14:32 GMT

Yes, they do use both EX and EQ, I believe it depends on the card you're applying for. For VS, The Limited, Ann Taylor, and J Crew cards, they pulled EX for the preapproval app at checkout. For a J. Crew CLI request they pulled EQ, all of my others were auto with no pull. For a Crate & Barrel app, they pulled EX but the criteria for that card was not the same as for the others. The C&B card for me is like Amex for most - I have been rejected three times so now I am DETERMINED to get that card one day.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

MarineVietVet — Wed, 04 Apr 2012 00:40:24 GMT

@LS2982 wrote:

I know for sure that Prosper uses a version of EX PLUS for their approval process.

Then someone needs to tell EX to change their posting.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

HikingFICOMountain — Thu, 19 Apr 2012 15:18:47 GMT

I was thinking about apping for The Limited card, I shop there often and I have 0 inquiries on EX,

But, I am gardening.....I must resist the light......

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

tcbofade — Thu, 19 Apr 2012 15:28:19 GMT

Not to poison your thoughts...but if you wander over to the stores website, create a user account, put some items in your shopping cart, then try to check out...

They'll run a soft on your Experian and offer you a card if you qualify...

No inquiry. Not even if approved.

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

HikingFICOMountain — Thu, 19 Apr 2012 15:39:13 GMT

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

04-19-2012 10:28 AM

Not to poison your thoughts...but if you wander over to the stores website, create a user account, put some items in your shopping cart, then try to check out...

They'll run a soft on your Experian and offer you a card if you qualify...

No inquiry. Not even if approved.

--------------------------

Really?! hmmmm......

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

HikingFICOMountain — Thu, 19 Apr 2012 16:25:50 GMT

@HikingFICOMountain wrote:
Re: Have VS card... got 7 to 10 day message for Crate & Barrel

04-19-2012 10:28 AM
Not to poison your thoughts...but if you wander over to the stores website, create a user account, put some items in your shopping cart, then try to check out...

They'll run a soft on your Experian and offer you a card if you qualify...

No inquiry. Not even if approved.

--------------------------

Really?! hmmmm......

One more question.... I went to The Limited website and made an account. How will they know its me when I try to checkout? Will they just use my name and address info to soft pull EX? They don't need my SS#?

Re: Have VS card... got 7 to 10 day message for Crate & Barrel

tcbofade — Thu, 19 Apr 2012 17:03:12 GMT

I can't remember...I know that they use your name and address...and I think they ask for the last four of your social...