topic Re: Banana Republic approval in Credit Cards

Banana Republic approval

SFernandez13461 — Sun, 03 Feb 2013 01:56:56 GMT

I'm ashamed to admit I succumbed to temptation and applied for the Banana Republic credit card when I had every intention of staying in the garden for a long, long time, but at least it wasn't a wasted inquiry. I wasn't sure I'd even be approved and figured even if I was I'd get $200 or $300. But to my surprise I got the Banana Republic Visa with a 1200 CL.

So I've been demoted back to a seedling. But soon I hope to have my bronze spade back.

Re: Banana Republic approval

2011beginnings — Sun, 03 Feb 2013 02:48:23 GMT

Is this their card that is all black?

Congrats

Re: Banana Republic approval

youngandcreditwrthy — Sun, 03 Feb 2013 03:13:27 GMT

Yeah... This card can upgrade to a Visa version too!!! Take care of it!

Re: Banana Republic approval

SFernandez13461 — Sun, 03 Feb 2013 03:18:01 GMT

I don't know. I haven't received it yet.

Re: Banana Republic approval

SFernandez13461 — Sun, 03 Feb 2013 03:18:48 GMT

I will certainly take care of it. But much to my surprise, they gave me the Visa right off the bat.

Re: Banana Republic approval

Epcot — Sun, 03 Feb 2013 04:43:20 GMT

Nice, Congrats!

Re: Banana Republic approval

kimmiller112 — Sun, 03 Feb 2013 04:49:25 GMT

I caved in too last week. I was in one of their outlet stores with a couple of shirts from the discount rack and the idea of an extra 15% off got me this time. I like the idea of points to earn $10 reward cards and I shop here, at the Gap outlet and online both places plus online at Piperlime and Athleta, so I will use this card quite a bit. I know it will grow with me.

Re: Banana Republic approval

youngandcreditwrthy — Sun, 03 Feb 2013 14:21:48 GMT

Oh! That's awesome!! I don't use my BR Visa much... But it def helps with my util given my $14k limit! I keep it at zero except for the occassional small charge.

You could call GE Credit Solutions if you want a higher limit!
My last clis have been from $2000-$3000-$7000-$14000!
Congrats again!

Re: Banana Republic approval

Anonymous — Sun, 03 Feb 2013 16:56:59 GMT

Congrats

Re: Banana Republic approval

SFernandez13461 — Sun, 03 Feb 2013 18:59:06 GMT

That's great. I'm hoping for a good CLI, but I'll probably give it six months or so before I ask. It would be great to get a limit like that!

Re: Banana Republic approval

shakalaka — Sun, 03 Feb 2013 19:06:36 GMT

Nice Congrats

Re: Banana Republic approval

SFernandez13461 — Sun, 03 Feb 2013 19:50:53 GMT

Thanks

Re: Banana Republic approval

BearsAndTurtlesRtheBest — Sun, 03 Feb 2013 19:53:51 GMT

Thats awesome! even if you were approved for only store card version like youngandcreditworthy said it will upgrade whch is what is great about these cards beacuse you can then use it any where else and not just that store. BUT you got the VISA INSTANLY whih is marvelous!! ENJOY and ask for cli every 5 to 6 months just beacuse they wont always give it to you every 4 month.

Re: Banana Republic approval

Kendro — Sun, 03 Feb 2013 20:59:12 GMT

@kimmiller112 wrote:
I caved in too last week. I was in one of their outlet stores with a couple of shirts from the discount rack and the idea of an extra 15% off got me this time. I like the idea of points to earn $10 reward cards and I shop here, at the Gap outlet and online both places plus online at Piperlime and Athleta, so I will use this card quite a bit. I know it will grow with me.

Ironically the 15% discount they give you is very "meh" for opening the card. The true value of the card is when they have all these 40% coupons that you can only use if you have a BR card. Plus you can use the card at Old Navy, Gap, or Piperlime and you still get 5X rewards.

On my last shopping spree, I bought $800 worth of clothing for around $300 due to various promotions that stacked (40% off and $25 off after spending $100). And it was only possible if you had a BR card. Then from that $300 I got 5X points which means $15 worth of BR rewards. It is a great card.

Re: Banana Republic approval

Anonymous — Sun, 03 Feb 2013 23:07:42 GMT

@SFernandez13461 wrote:
Thanks

DONT WAIT 6 MONTHS.I got my credit increased every month on my ge cards.ask for dubble the limit at 1 st month.Use the card a little like 30-100$ Good luck to you and congrats

Re: Banana Republic approval

SFernandez13461 — Mon, 04 Feb 2013 05:10:22 GMT

Thanks everyone. I'll certainly try to get those CLIs.

Re: Banana Republic approval

chnceit — Mon, 04 Feb 2013 05:34:12 GMT

Congrats! Now to the garden!

Re: Banana Republic approval

FabulousDtheBruin — Mon, 04 Feb 2013 07:53:15 GMT

I really want to get a GERMB card---like BR Visa! But I just App'd for the Clear from AmEx on 01/05.

Is it too soon to apply for a GERMB? Are they inquiry senstive? I have about 12 inquiries from EX.

And three new accounts open in the past month (but only one reporting--Chase).

Should I wait...or apply now?

Re: Banana Republic approval

learnin113 — Mon, 04 Feb 2013 15:48:43 GMT

They're not inquiry or UTI sensitive at all. However, those factors may affect your initial CL.

Re: Banana Republic approval

youngandcreditwrthy — Mon, 04 Feb 2013 16:51:49 GMT

You can get a cli every 2-3 months if you call GE Credit Solutions lol... Great card!! Ive been getting mailers for 4-5x points on EVERY purchase or like an extra 1000 points just for using it twice lol! The discounts are great!!! The apr sucks though! So be careful!

Sorry to ask.. But Fabulous... Did you get approved for the Amex Clear? This is one of the other Amexes I want!!! There isn't much approval info avail about the Clear I've noticed!!