topic FRN Mastercard? in Credit Cards

FRN Mastercard?

youngandcreditwrthy — Mon, 27 Jan 2014 02:13:24 GMT

So I got the dreaded Pre Approval for this card.
My instant gratification addiction to credit has me wanting to open it since it's no HP.
Then again, I did just open Chase Marriott Premier...
Lol anyone think I'd get a $10k+ limit?
I could close one of my other 17 cards if I needed to lol??

Re: FRN Mastercard?

emptypockets — Mon, 27 Jan 2014 02:18:00 GMT

I got a12k limit through the preapprovals I also got a HP on EQ....don't say you weren't warned, lol.

Re: FRN Mastercard?

youngandcreditwrthy — Mon, 27 Jan 2014 02:19:59 GMT

LOL... I resisted. I x'ed out of it and now it won't come back up. Thank goodness. I don't need another card!! Haha but a $12k cl is SWEET!

Re: FRN Mastercard?

B335is — Mon, 27 Jan 2014 02:28:23 GMT

Are the rewards that great with this card? I would think just linking something like Sallie Mae MC to FRN would get you the most back. From the T&C you're also limited to 20 gallons per award redemption.

Re: FRN Mastercard?

emptypockets — Mon, 27 Jan 2014 02:39:31 GMT

I just got the card, so I am still looking at the rewards (I should have done this before I got it, I know). I guess (in hindsight) if you use Shell gas already, it is ok. For me, I am in MI and Shell is the most expensive Gas around. You can earn points on dining which will get you 10cents per gallon discount. I didn't need a new card, or a HP but I guess I will take the 12k CL.

Re: FRN Mastercard?

youngandcreditwrthy — Mon, 27 Jan 2014 03:11:49 GMT

Lol!! These pop up preapprovals make me happy but the Comenity vards arent the best

Re: FRN Mastercard?

gdale6 — Mon, 27 Jan 2014 03:19:27 GMT

Was an HP on EQ for me, app 5K earlier last week. I too canceled the first pop up, it will come back about 10 mins past 7 days worth of time. I dont know what kind of scoring they use it was not a number scale I recognized for any FICO model, their score range 479-898, i was at 740 on it and I got midline int rate of 20.99%, I had apped for a diff card 1 wk prior and EQ FICO was 773 out of 850.

Re: FRN Mastercard?

CreditMagic7 — Mon, 27 Jan 2014 03:31:43 GMT

All of this Comenity mania and reading the run of approvals had tempted me several times to pull the trigger for it, except i already have 3 comenity cards now and shell isn't the norm where i live either. In fact would have to make a special trip just for the limited returns it offers which as already mentioned Sallie Mae is a more useful choice.

Add to that no pop up yet, and i'm finally regaining my control to not be so enticed by it. I did order the fuel card FWIW.

Comenity is ok i suppose but i much rather prefer to add new gecrb lines if it requires a HP, not Comenity. They seem to not grow as rapidly as ge.

Re: FRN Mastercard?

B335is — Mon, 27 Jan 2014 03:46:41 GMT

@emptypockets wrote:
I just got the card, so I am still looking at the rewards (I should have done this before I got it, I know). I guess (in hindsight) if you use Shell gas already, it is ok. For me, I am in MI and Shell is the most expensive Gas around. You can earn points on dining which will get you 10cents per gallon discount. I didn't need a new card, or a HP but I guess I will take the 12k CL.

Me too! The Shell near me actually advertises the $0.10 Kroger rewards discount on their sign to make their price appear competitive. $12k limit, I'd probably take it too hah.

Re: FRN Mastercard?

youngandcreditwrthy — Mon, 27 Jan 2014 05:43:56 GMT

Yeah, these Comenity cards are really growing on us. Idk if they recently became big or what, but there are a lot of the general purpose cards like Visa and MC. I wonder if there is a Comenity card issued on the Amex network ?? lol

I already have a few of them, but most of the ones I have were owned by WFNNB first. It would be awesome to replace my Express Credit Card and my Smile Generation card. I'd be better off with Visa or MC Comenity card lol. I certainly regret that Mypoints Visa pre approval I fell for over the summer. I've literally used the card a couple of times. It doesn't seem to have prevented me from getting approved for any of the other cards I've wanted LOL....

Re: FRN Mastercard?

ecxpa — Mon, 27 Jan 2014 06:38:01 GMT

I see a lot of folks gettMing pop ups and pre approvals on a lot of sites with the shopping cart trick. Been to several and registered and haven't gotten one yet. EQ 659, TU 738, EX 748. I have Discover it, Chase Sapphire, Total Rewards Visa, Chase Freedom, Slate and others. Utilization is about 15%. Are my scores keeping me from getting the pop ups or is there more to it than just visiting the site and loading up the shopping cart and going to checkout. I MAY be opted out but went to a site and opted in a few days ago.

Re: FRN Mastercard?

Kenny — Mon, 27 Jan 2014 10:38:48 GMT

Young, I see this is in the approvals, but you didn't app. Wonder why they put it here?

Re: FRN Mastercard?

lg8302ch — Mon, 27 Jan 2014 11:07:34 GMT

@B335is wrote:
Are the rewards that great with this card? I would think just linking something like Sallie Mae MC to FRN would get you the most back. From the T&C you're also limited to 20 gallons per award redemption.

just my thoughts...but do not have the Sallie Mae yet..patiently waiting to app..LOL

Re: FRN Mastercard?

Kenny — Mon, 27 Jan 2014 12:05:07 GMT

@lg8302ch wrote:
@B335is wrote:
Are the rewards that great with this card? I would think just linking something like Sallie Mae MC to FRN would get you the most back. From the T&C you're also limited to 20 gallons per award redemption.
just my thoughts...but do not have the Sallie Mae yet..patiently waiting to app..LOL

Me too!! I'm waiting for optimal CL! Also want to get out of my Arrival 6 month window that I need to be good!

Re: FRN Mastercard?

injustifiiable — Tue, 28 Jan 2014 16:15:57 GMT

I'm in Connecticut and Shell is high as hell here.

In my town, there's a BP and a Shell on the same block. The Shell is easily 10 to 15 cents more.

Our local grocery store, Stop and Shop, has a program with them where you do earn gas points, which can take some off. But it's only 10 cents off per 100 pts.

Re: FRN Mastercard?

jaebsf — Thu, 24 Apr 2014 06:58:57 GMT

If I may ask, what did you mean by " I too canceled the first pop up, it will come back about 10 mins past 7 days worth of time."? Are you saying the popup happened again after 7 days?

thanks

Re: FRN Mastercard?

ways2go — Thu, 24 Apr 2014 07:07:03 GMT

The popup will come back around if you dismiss it. It might take awhile, but it will.

Re: FRN Mastercard?

Creditaddict — Thu, 24 Apr 2014 13:37:05 GMT

Id get Vitacost before FRN and it is for sure a SP if you take it unlike the FRN by sounds of it.