topic Re: Applied for Simmons First in Credit Cards

Applied for Simmons First

Anonymous — Sun, 07 Apr 2013 04:22:11 GMT

Signing. 7-10 day message. Not sure which way it will swing but excited to find out....

Re: Applied for Simmons First

myjourney — Sun, 07 Apr 2013 04:23:18 GMT

Welcome to the forum

Good luck fingers crossed

Re: Applied for Simmons First

Anonymous — Sun, 07 Apr 2013 04:48:51 GMT

Good luck. Do you mind sharing your profile?

Re: Applied for Simmons First

Anonymous — Sun, 07 Apr 2013 04:53:56 GMT

My TU was 747 a month ago, I am since down 3k and owe 200/5000. All other cards report zero, worst thing against me is I think.I have 9 inquires total but only 4 from this year, one auto, two auto refinance, one cli on my b of a.... Average age of cards is also low, think it's 11 months or so. I have approx 65k in credit across 10 cards, credit history is 6 years, no lates, no baddies. Two paid off car loans

Re: Applied for Simmons First

Ron1 — Sun, 07 Apr 2013 05:02:42 GMT

Good luck.

Ron.

Re: Applied for Simmons First

dodfire — Sun, 07 Apr 2013 05:40:20 GMT

Best of Luck...let us know!!

Re: Applied for Simmons First

boomhower — Sun, 07 Apr 2013 06:00:11 GMT

Good luck. I've always heard they are extremely consertative.

Re: Applied for Simmons First

anderl — Sun, 07 Apr 2013 06:05:09 GMT

Re: Applied for Simmons First

Meltdownblitz — Sun, 07 Apr 2013 10:19:17 GMT

If y'all don't mind me asking.. What's so good about them besides them being super conservative?

Re: Applied for Simmons First

SpecFile — Sun, 07 Apr 2013 11:06:12 GMT

@Meltdownblitz wrote:
If y'all don't mind me asking.. What's so good about them besides them being super conservative?

Low APR

Re: Applied for Simmons First

LS2982 — Sun, 07 Apr 2013 14:30:03 GMT

Good luck to you!!!!

Fingers crossed!!!

Re: Applied for Simmons First

lg8302ch — Sun, 07 Apr 2013 14:34:10 GMT

good luck....thought you need 800 scores to even be considered..pls share the outcome..cheers

Re: Applied for Simmons First

Petraeus — Wed, 19 Jun 2013 17:02:23 GMT

@lg8302ch wrote:
good luck....thought you need 800 scores to even be considered..pls share the outcome..cheers

I was able to get one with an 720 score last year but not before asking for copies of my W-2, and 2 most recent checkstubs. In addition, I wrote and included a letter in detail on why I wanted to do business with them. yeah I know the letter was overkill (they didnt ask for it) but felt I needed to do so they'd take me seriously. My CR was a clean CR when I app'd last year with little INQ and about 15% UT. I thought the UT & score wasnt going to be good enough but they were mostly concerned with verifying my salary.

Re: Applied for Simmons First

wwtthhpp — Wed, 19 Jun 2013 17:19:16 GMT

@SpecFile wrote:
@Meltdownblitz wrote:
If y'all don't mind me asking.. What's so good about them besides them being super conservative?
Low APR

Is low APR the only thing? My thing is if you PIF then APR isn't that great of a concern.

Re: Applied for Simmons First

DaveSignal — Wed, 19 Jun 2013 17:25:13 GMT

wwtthhpp wrote:
SpecFile wrote:
Meltdownblitz wrote:
If y'all don't mind me asking.. What's so good about them besides them being super conservative?
Low APR
Is low APR the only thing? My thing is if you PIF then APR isn't that great of a concern.

Or you could just find a credit union that offers an even lower APR + rewards, such as SDFCU.

Re: Applied for Simmons First

austinguy907 — Wed, 19 Jun 2013 18:37:25 GMT

If you're in DFW (EDS) Intouch CU has one for 7.75% fixed and if you're in Austin then you could get one w/ University FCU and their lowest fixed rate is 6.9% for a EQ FICO over 730.