topic Re: Duck card approval profiles in Credit Cards

Duck card approval profiles

bichonmom — Sat, 12 Oct 2013 22:33:22 GMT

Since several of us have been getting the Duck card, I thought it might be helpful to start a thread with the approval info so we'll all have a reference.

If you've gotten the card, it would be great to know the CL you got, your FICO, util and AAoA and anything else you'd like to share. Also, who they pulled.

I don't recal any denials, but if you weren't approved, it would also be helpful to have the same info and their reason for denial.

There was a post stating that their min FICO requirement was 720, and it seems they usually pull EQ.

Re: Duck card approval profiles

B335is — Sat, 12 Oct 2013 22:54:27 GMT

Approved for $15k
EQ pulled (live in MI)
803 score
AAoA 3 years
No negs

Re: Duck card approval profiles

missjae — Sun, 13 Oct 2013 00:34:32 GMT

Pulled Equifax
733 FICO according to the letter they sent
5% or less utilization
CK AAoA was 2.9 yrs, but I do have closed accounts that CK doesn't factor (and that is from my TU report)
Oldest account 8yrs +
No baddies
Highest reporting limit $5k
3 inqs in the last 3 mos, 15 1+ yrs old = 18 total inqs
Approved for $15k
11.99% APR

I had a fraud alert, so they called about a week after app, verified identity, gave me CL info. About a wk later, cs letter arrived. Card arrived next day.

Re: Duck card approval profiles

bichonmom — Sun, 13 Oct 2013 02:55:29 GMT

Thank you for the info! Congrats!

Re: Duck card approval profiles

DigitalArk — Sun, 13 Oct 2013 07:24:08 GMT

What's a "Duck Card"?

Re: Duck card approval profiles

09Lexie — Sun, 13 Oct 2013 07:37:19 GMT

http://ficoforums.myfico.com/t5/Credit-Cards/Oregon-Community-Credit-Union-The-Duck-Card/m-p/2490741#M710454

Re: Duck card approval profiles

Anonymous — Tue, 15 Oct 2013 20:40:56 GMT

Applied online and received 7-10 day message. Called today for recon and was approved for $10K. EQ 717, AAOA 4 yrs 7 months. 22% util (explained during the recon that two cards paid in full had not hit my report yet. Util 5% when they report) 3 inqs for recently opened BCP and CSP and Citi Best Buy CLI.

Re: Duck card approval profiles

lhcole77 — Tue, 15 Oct 2013 20:49:53 GMT

@Anonymous wrote:
Applied online and received 7-10 day message. Called today for recon and was approved for $10K. EQ 717, AAOA 4 yrs 7 months. 22% util (explained during the recon that two cards paid in full had not hit my report yet. Util 5% when they report) 3 inqs for recently opened BCP and CSP and Citi Best Buy CLI.

Did they indicate whether the 22% UTL was an issue for them?

Edit: P.S. CONGRATS! WOOOHOOOOOOOOOOOOOOOOO!

Re: Duck card approval profiles

Anonymous — Tue, 15 Oct 2013 20:55:38 GMT

Thank you!

The analyst said the reason for the intial hold for review appeard to be util, yes.

Re: Duck card approval profiles

bichonmom — Tue, 15 Oct 2013 21:00:09 GMT

Congrats! Great CL.

Re: Duck card approval profiles

DiabolicallyRandom — Tue, 15 Oct 2013 21:00:55 GMT

Equifax from them was 737, AAOA 4 years, and utilization 1%. 4 cards and new auto loan opened within the last year. 3 inquiries. Initially got the 7-10 day message, then the card arrived about a week and a half later with $13,500 limit.

edited to add limit

Re: Duck card approval profiles

sandman2435 — Tue, 15 Oct 2013 22:14:44 GMT

EQ Score 750.AAoA 8 years, 0 Util. ..very thick file and 55 inq. in the past 2 years. Appoved for 20K...

Re: Duck card approval profiles

B335is — Tue, 15 Oct 2013 22:17:46 GMT

@sandman2435 wrote:
EQ Score 750.AAoA 8 years, 0 Util. ..very thick file and 55 inq. in the past 2 years. Appoved for 20K...

Wow. How does the $20k limit compare to your other cards?

Re: Duck card approval profiles

youngandcreditwrthy — Tue, 15 Oct 2013 22:21:56 GMT

55 inquiries??? For whAt?!??!!!

Re: Duck card approval profiles

compassion101 — Tue, 15 Oct 2013 22:54:47 GMT

Have they been asking for anything for proof of income, like docs sent to them or anything? I know most credit unions have stricter income proof requirements.

Re: Duck card approval profiles

DiabolicallyRandom — Tue, 15 Oct 2013 22:58:49 GMT

They didnt ask me for proof of anything. I didnt even call for recon on the 7-10 day message.

Re: Duck card approval profiles

B335is — Tue, 15 Oct 2013 23:02:21 GMT

@compassion101 wrote:
Have they been asking for anything for proof of income, like docs sent to them or anything? I know most credit unions have stricter income proof requirements.

They didn't ask me for any docs. I also haven't heard of anybody geting denied for the card - either instant approval or approval after 7-10 day notice.

Re: Duck card approval profiles

DiabolicallyRandom — Tue, 15 Oct 2013 23:03:37 GMT

Has anyone with lower scores tested this out yet?

Re: Duck card approval profiles

Credit-hoarder — Tue, 15 Oct 2013 23:12:43 GMT

Right now I'm at 699 on EQ 669 on EX with a few paid baddies and 8 fairly new TL's. Should I try it? (Supposed to be gardening)

Re: Duck card approval profiles

DiabolicallyRandom — Tue, 15 Oct 2013 23:14:31 GMT

I wouldnt want to step on any gardening toes, but they seem like they dont care about inquiries and give large limits to non-members. Not to mention that we havent seen a denial yet.