topic Re: American Eagle Visa in Credit Cards

American Eagle Visa

WallyxD — Wed, 17 Apr 2013 01:26:05 GMT

First thing's first, I did declare myself to be in the garden. I went to American Eagle to exchange a couple of things, the associate asked me if I wanted to see if I was eligible for the AE Visa (at the time I had a $300 AE Store CC), I asked if it would've been a hard pull, she asked what I meant so I laughed and said nevermind and that I'd do it. The screen then asked for my SSN and income (at first I thought it would've been a soft pull. I was unaware that PC's were hard pulls). Like 10 seconds later, my receipt printed and she said that I was approved for the VISA for $2300. So in two days, my CL's went from $600 to $4100. Not bad huh?

I now have no reason to apply for anything else, unless of course I get a pre approval from Amex later in the year. I mean it this time, I'm done for now lol.

Re: American Eagle Visa

09Lexie — Wed, 17 Apr 2013 01:31:35 GMT

Congrats. Are you back in the garden now?

Re: American Eagle Visa

WallyxD — Wed, 17 Apr 2013 01:37:56 GMT

Thank you And yes, I can say I officially am. I was surprised when the associate asked if I was interested in seeing if I was eligible, and I really thought they would've soft pulled, but when she said to enter my SSN and income, I knew I'd get hard pulled. I was hesistant to enter in my info, but since I had already told her yes, I figured I'd just go with it. So yes, I am now done. Most of my INQS on each report will fall off by september, so at least until September, no more apps.

Re: American Eagle Visa

BearsAndTurtlesRtheBest — Wed, 17 Apr 2013 02:01:43 GMT

Say what!?!?! so basically the cashier girlie checked if you were eligible for the AE VISA? How long have you had the AE store card?

Re: American Eagle Visa

WallyxD — Wed, 17 Apr 2013 02:03:34 GMT

@BearsAndTurtlesRtheBest wrote:
Say what!?!?! so basically the cashier girlie checked if you were eligible for the AE VISA? How long have you had the AE store card?

I've had the AE store card since the end of the September, no late payments. Was eligible for one CLI. I was just as surprised as you are lol

Re: American Eagle Visa

BearsAndTurtlesRtheBest — Wed, 17 Apr 2013 02:08:06 GMT

My sister currently has the AE store card with a $1,250 CL and has had it for a EXACTLY 1 year so we are hoping that on May when she requests her next cli that they offer the VISA upgrade with a SP. BUT HEY!! Congrats!!! For having it since September you got a great boost $300-$2,300 UMM yea do did good! hahah Again Congrats!!

Re: American Eagle Visa

WallyxD — Wed, 17 Apr 2013 02:15:33 GMT

@BearsAndTurtlesRtheBest wrote:
My sister currently has the AE store card with a $1,250 CL and has had it for a EXACTLY 1 year so we are hoping that on May when she requests her next cli that they offer the VISA upgrade with a SP. BUT HEY!! Congrats!!! For having it since September you got a great boost $300-$2,300 UMM yea do did good! hahah Again Congrats!!

Haha thank you. If your sister doesn't mind the hard pull, I'm sure she can call up customer service and ask them to consider her for the VISA (granted her account is in good standing) and I'm sure she has a much higher income than I do, so she should have no problem getting approved. Let her know I said good luck.

Re: American Eagle Visa

Creditaddict — Wed, 17 Apr 2013 02:18:26 GMT

ummm... If like other GE Cards (I have experience for Chevron) if it's not specifically offered which I believe ONLY comes in the form of you logging into your account online or possibly on the phone calling in on your account, not at store... if you apply you may have this fantastic outcome of a nice new visa with a much larger credit line but it has nothing to do with your current store card and unlike when you do an upgrade and it opens a new line and closes the old, you most likely ended up with 2 here.

Re: American Eagle Visa

WallyxD — Wed, 17 Apr 2013 02:21:44 GMT

@Creditaddict wrote:
ummm... If like other GE Cards (I have experience for Chevron) if it's not specifically offered which I believe ONLY comes in the form of you logging into your account online or possibly on the phone calling in on your account, not at store... if you apply you may have this fantastic outcome of a nice new visa with a much larger credit line but it has nothing to do with your current store card and unlike when you do an upgrade and it opens a new line and closes the old, you most likely ended up with 2 here.

Would you suggest I call and figure everything out?

Re: American Eagle Visa

BearsAndTurtlesRtheBest — Wed, 17 Apr 2013 02:22:51 GMT

thanks wally! AND NO her income is ony $18,500 going to trade school next year for RN or somehtibg else in the medical field. If upgrade isnt offered in May then she will def. call in and ask if she qualifys for VISA. and sure ill let her know!! Thanks for sharing your experience.

Re: American Eagle Visa

Creditaddict — Wed, 17 Apr 2013 02:26:00 GMT

I would log in to your current AE online account and see what credit card account you see. If you only see the old one, then that means most likely you have 2 now... if you see 2, there you go also... or if you see the new visa and no store, then that is your answer also... otherwise I would probably just way for card and activate it on your account online and see what comes up.

Re: American Eagle Visa

Ron1 — Wed, 17 Apr 2013 02:26:17 GMT

Congrats!!!! They upgraded my AE store card into Visa about a month. They also increased CL from $2500 to $3500. They closed my AE card and I lost the credit history.

Ron.

Re: American Eagle Visa

WallyxD — Wed, 17 Apr 2013 02:31:43 GMT

@Creditaddict wrote:
I would log in to your current AE online account and see what credit card account you see. If you only see the old one, then that means most likely you have 2 now... if you see 2, there you go also... or if you see the new visa and no store, then that is your answer also... otherwise I would probably just way for card and activate it on your account online and see what comes up.

I logged in, and it tells me to click on which account I want to manage, so it shows both (VISA and the regular AE card). I suppose I'll give them a call tomorrow morning and see whether or not my store card will close, see if I can keep it open, etc.

Re: American Eagle Visa

Ron1 — Wed, 17 Apr 2013 02:33:34 GMT

@WallyxD wrote:
@Creditaddict wrote:
I would log in to your current AE online account and see what credit card account you see. If you only see the old one, then that means most likely you have 2 now... if you see 2, there you go also... or if you see the new visa and no store, then that is your answer also... otherwise I would probably just way for card and activate it on your account online and see what comes up.
I logged in, and it tells me to click on which account I want to manage, so it shows both (VISA and the regular AE card). I suppose I'll give them a call tomorrow morning and see whether or not my store card will close, see if I can keep it open, etc.

You need to enter last 3 digit number on the back of your card to access your Visa account.

Ron.

Re: American Eagle Visa

WallyxD — Wed, 17 Apr 2013 02:34:59 GMT

@Ron1 wrote:
@WallyxD wrote:
@Creditaddict wrote:
I would log in to your current AE online account and see what credit card account you see. If you only see the old one, then that means most likely you have 2 now... if you see 2, there you go also... or if you see the new visa and no store, then that is your answer also... otherwise I would probably just way for card and activate it on your account online and see what comes up.
I logged in, and it tells me to click on which account I want to manage, so it shows both (VISA and the regular AE card). I suppose I'll give them a call tomorrow morning and see whether or not my store card will close, see if I can keep it open, etc.
You need to enter last 3 digit number on the back of your card to access your Visa account.

Ron.

Just saw your last message, thank you

And yes, I won't have that card for 5-7 days.

Re: American Eagle Visa

Rackham94 — Wed, 17 Apr 2013 04:39:44 GMT

Is there way to call to PC to Visa with a SP or do you HAVE to have that message pop up when you login to Pay Your Bill through the store card?

Re: American Eagle Visa

FinStar — Wed, 17 Apr 2013 04:54:40 GMT

@Rackham94 wrote:
Is there way to call to PC to Visa with a SP or do you HAVE to have that message pop up when you login to Pay Your Bill through the store card?

There is no method to PC your current GECRB store card to either their Visa, MC, AMEX or Discover versions. Your account has to be elegible for the upgrade. If an individual's credit profile is fairly above-average (based on GECRB's underwriting standards for the specific product); then one would qualify for the co-branded product bypassing the store version altogether.

Re: American Eagle Visa

WallyxD — Wed, 17 Apr 2013 04:56:31 GMT

@Rackham94 wrote:
Is there way to call to PC to Visa with a SP or do you HAVE to have that message pop up when you login to Pay Your Bill through the store card?

When I called them to see if they HP'd, the csr wasn't too friendly, and said of course, because it was like you filled out a different app, then proceeded to rush me off the phone, for whatever reason. So based on what she told me, I would say no, I don't think it's possible to PC with a SP.

Re: American Eagle Visa

Rackham94 — Wed, 17 Apr 2013 05:01:59 GMT

@WallyxD wrote:
@Rackham94 wrote:
Is there way to call to PC to Visa with a SP or do you HAVE to have that message pop up when you login to Pay Your Bill through the store card?
When I called them to see if they HP'd, the csr wasn't too friendly, and said of course, because it was like you filled out a different app, then proceeded to rush me off the phone, for whatever reason. So based on what she told me, I would say no, I don't think it's possible to PC with a SP.

Did you close your Store Card? Well when I applied I only had a Cap1 Journey Card

Re: American Eagle Visa

Ron1 — Wed, 17 Apr 2013 05:06:37 GMT

They will close your AE store card.

Ron.